EP3220339A1 - Payment transaction method and electronic device therefor - Google Patents
Payment transaction method and electronic device therefor Download PDFInfo
- Publication number
- EP3220339A1 EP3220339A1 EP17161453.0A EP17161453A EP3220339A1 EP 3220339 A1 EP3220339 A1 EP 3220339A1 EP 17161453 A EP17161453 A EP 17161453A EP 3220339 A1 EP3220339 A1 EP 3220339A1
- Authority
- EP
- European Patent Office
- Prior art keywords
- electronic device
- payment
- communication module
- module
- information
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Withdrawn
Links
- 238000000034 method Methods 0.000 title claims abstract description 36
- 238000004891 communication Methods 0.000 claims abstract description 168
- 230000005540 biological transmission Effects 0.000 claims description 6
- 230000004044 response Effects 0.000 claims description 6
- 238000001514 detection method Methods 0.000 claims description 5
- 230000006870 function Effects 0.000 description 38
- 238000012545 processing Methods 0.000 description 17
- 238000010586 diagram Methods 0.000 description 12
- 230000014509 gene expression Effects 0.000 description 9
- 230000008569 process Effects 0.000 description 9
- 230000001413 cellular effect Effects 0.000 description 8
- 238000007726 management method Methods 0.000 description 8
- 230000000694 effects Effects 0.000 description 4
- 230000004048 modification Effects 0.000 description 4
- 238000013459 approach Methods 0.000 description 3
- 230000036541 health Effects 0.000 description 3
- 238000012986 modification Methods 0.000 description 3
- 238000012015 optical character recognition Methods 0.000 description 3
- 230000003287 optical effect Effects 0.000 description 3
- 238000002591 computed tomography Methods 0.000 description 2
- 239000000470 constituent Substances 0.000 description 2
- 238000013500 data storage Methods 0.000 description 2
- 238000005516 engineering process Methods 0.000 description 2
- 238000012795 verification Methods 0.000 description 2
- 230000001133 acceleration Effects 0.000 description 1
- 230000004913 activation Effects 0.000 description 1
- 238000002583 angiography Methods 0.000 description 1
- 238000003491 array Methods 0.000 description 1
- 238000013473 artificial intelligence Methods 0.000 description 1
- 230000002457 bidirectional effect Effects 0.000 description 1
- 239000008280 blood Substances 0.000 description 1
- 210000004369 blood Anatomy 0.000 description 1
- 230000036772 blood pressure Effects 0.000 description 1
- 230000010267 cellular communication Effects 0.000 description 1
- 230000008859 change Effects 0.000 description 1
- 238000006243 chemical reaction Methods 0.000 description 1
- 238000012217 deletion Methods 0.000 description 1
- 230000037430 deletion Effects 0.000 description 1
- 230000005611 electricity Effects 0.000 description 1
- 238000002567 electromyography Methods 0.000 description 1
- 230000001815 facial effect Effects 0.000 description 1
- 239000000446 fuel Substances 0.000 description 1
- 239000011521 glass Substances 0.000 description 1
- 230000006698 induction Effects 0.000 description 1
- 238000009434 installation Methods 0.000 description 1
- 239000004973 liquid crystal related substance Substances 0.000 description 1
- 230000007774 longterm Effects 0.000 description 1
- 238000002595 magnetic resonance imaging Methods 0.000 description 1
- 238000004519 manufacturing process Methods 0.000 description 1
- 238000010295 mobile communication Methods 0.000 description 1
- 230000006798 recombination Effects 0.000 description 1
- 238000005215 recombination Methods 0.000 description 1
- 210000004935 right thumb Anatomy 0.000 description 1
- 239000007787 solid Substances 0.000 description 1
- 230000003068 static effect Effects 0.000 description 1
- 230000001360 synchronised effect Effects 0.000 description 1
- 238000005406 washing Methods 0.000 description 1
- XLYOFNOQVPJJNP-UHFFFAOYSA-N water Substances O XLYOFNOQVPJJNP-UHFFFAOYSA-N 0.000 description 1
- 229910052724 xenon Inorganic materials 0.000 description 1
- FHNFHKCVQCLJFQ-UHFFFAOYSA-N xenon atom Chemical compound [Xe] FHNFHKCVQCLJFQ-UHFFFAOYSA-N 0.000 description 1
Images
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0613—Third-party assisted
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3223—Realising banking transactions through M-devices
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/405—Establishing or using transaction specific rules
Definitions
- the present disclosure relates generally to a payment transaction method and an electronic device therefor.
- an electronic device may be configured to receive broadcast or multicast signals to play videos and television programs.
- An electronic device may transmit data to another electronic device through a wired/wireless network (e.g., Bluetooth and 3 rd Generation (3G) networks).
- a wired/wireless network e.g., Bluetooth and 3 rd Generation (3G) networks.
- An electronic device may be provided with a banking application capable of allowing a user to deposit and withdraw money.
- a banking application capable of allowing a user to deposit and withdraw money.
- the user may deposit and withdraw money to and from a user's bank account using user authentication information stored in the memory of the electronic device.
- the present disclosure provides a payment transaction method and device that is capable of transmitting payment information by means of at least one communication module for mobile payment services.
- an electronic device in accordance with an example aspect of the present disclosure, includes a first communication module comprising communication circuitry configured to transmit and receive first payment information, a second communication module comprising communication circuitry configured to transmit second payment information, and a processor which is functionally connected to the first and second communication modules, wherein the processor is configured to receive a payment request signal, to select one of the first and second communication modules, and to transmit payment information corresponding to the selected communication module to an external device.
- a payment transaction method of an electronic device includes receiving a payment request signal, selecting one of a first communication module and a second communication module based on the received signal, and transmitting payment information corresponding to the selected communication module to an external device.
- the terms such as “include”, “have”, “may include” or “may have” may be understood to denote a certain characteristic, number, step, operation, constituent element, component or a combination thereof, but may not be construed to exclude the existence of or a possibility of addition of one or more other characteristics, numbers, steps, operations, constituent elements, components or combinations thereof.
- the expression “or” or “at least one of A or/and B” includes any or all of combinations of words listed together.
- the expression “A or B” or “at least A or/and B” may include A, may include B, or may include both A and B.
- first, second, first, or “second” used in various embodiments of the present disclosure may modify various components of the various embodiments but does not limit the corresponding components.
- the above expressions do not limit the sequence and/or importance of the components.
- the expressions may be used for distinguishing one component from other components.
- a first user device and a second user device indicate different user devices although both of them are user devices.
- a first structural element may be referred to as a second structural element.
- the second structural element also may be referred to as the first structural element.
- a component When it is stated that a component is “(operatively or communicatively) coupled to” or “connected to” another component, the component may be directly coupled or connected to another component or a new component may exist between the component and another component. On the other hand, when it is stated that a component is “directly coupled to” or “directly connected to” another component, a new component does not exist between the component and another component.
- the expression “configured (or set) to do” may be used interchangeably with, for example, “suitable for doing,” “having the capacity to do,” “designed to do,” “adapted to do,” “made to do,” or “capable of doing.”
- the expression “configured (or set) to do” may not be used to refer to only something in hardware for which it is “specifically designed to do.” Instead, the expression “a device configured to do” may indicate that the device is “capable of doing” something with other devices or parts.
- a processor configured (or set) to do A, B and C may refer to a dedicated processor (e.g., an embedded processor) or a generic-purpose processor (e.g., CPU or application processor) that may execute one or more software programs stored in a memory device to perform corresponding functions.
- a dedicated processor e.g., an embedded processor
- a generic-purpose processor e.g., CPU or application processor
- An electronic device may be a device including an antenna.
- the electronic device may be one or more of the following: a smart phone, a tablet Personal Computer (PC), a mobile phone, a video phone, an e-book reader, a desktop PC, a laptop PC, a netbook computer, a Personal Digital Assistant (PDA), Portable Multimedia Player (PMP), MP3 player, a mobile medical application, a camera, and a wearable device (for example, a Head-Mounted-Device (HMD), such as electronic glasses, electronic clothes, an electronic bracelet, an electronic necklace, an electronic appcessary, an electronic tattoo, and a smart watch), or the like, but is not limited thereto.
- PDA Personal Digital Assistant
- PMP Portable Multimedia Player
- MP3 player MP3 player
- the electronic device may be a smart home appliance having an antenna.
- the smart home appliance may include at least one of the following: a Television (TV), a Digital Video Disk (DVD) player, an audio player, an air conditioner, a cleaner, an oven, a microwave oven, a washing machine, an air purifier, a set-top box, a TV box (for example, Samsung HomeSync TM , Apple TV TM , or Google TV TM ), game consoles, an electronic dictionary, an electronic key, a camcorder, and an electronic frame, or the like, but is not limited thereto.
- TV Television
- DVD Digital Video Disk
- the electronic device may include at least one of the following: various types of medical devices (for example, Magnetic Resonance Angiography (MRA), Magnetic Resonance Imaging (MRI), Computed Tomography (CT), a scanner, an ultrasonic device and the like), a navigation device, a Global Positioning System (GPS) receiver, an Event Data Recorder (EDR), a Flight Data Recorder (FDR), a vehicle infotainment device, electronic equipment for a ship (for example, a navigation device for ship, a gyro compass and the like), avionics, a security device, a head unit for a vehicle, an industrial or home robot, an Automatic Teller Machine (ATM) of financial institutions, and a Point Of Sale (POS) device of shops, or the like, but is not limited thereto.
- MRA Magnetic Resonance Angiography
- MRI Magnetic Resonance Imaging
- CT Computed Tomography
- scanner an ultrasonic device and the like
- a navigation device for example, a Global Position
- the electronic device may include at least one of the following: furniture or a part of a building/structure, an electronic board, an electronic signature receiving device, a projector, and various types of measuring devices (for example, a water meter, an electricity meter, a gas meter, a radio wave meter and the like), or the like, which are equipped with an antenna, but are not limited thereto.
- the electronic device according to various embodiments of the present disclosure may also be a combination of the devices listed above. Further, the electronic device according to various embodiments of the present disclosure may be a flexible device. It is apparent to those skilled in the art that the electronic device according to various embodiments of the present disclosure is not limited to the above described devices.
- FIG. 1 is a diagram illustrating an example network environment 100 including an electronic device 101 according to various example embodiments of the present disclosure.
- the electronic device 101 may include a bus 110, a processor (e.g., including processing circuitry) 120, a memory 130, an input/output interface (e.g., including input/output circuitry) 150, a display 160, and a communication interface (e.g., including communication circuitry) 170. According to some embodiments, at least one of the above described components may be omitted from the electronic device 101 or another component may be further included in the electronic device 101.
- the bus 110 may be a circuit connecting the above described components 120, 130, and 150 ⁇ 170 and transmitting communications (e.g., control messages and/or data) between the above described components.
- communications e.g., control messages and/or data
- the processor 120 may include various processing circuitry, such as, for example, and without limitation, one or more of the following: a dedicated processor, a central processing unit (CPU), an application processor (AP), and a communication processor (CP).
- the processor 120 is capable of controlling at least one of other components of the electronic device 101 and/or processing data or operations related to communication.
- the memory 130 is capable of including volatile memory and/or non-volatile memory.
- the memory 130 is capable of storing data or commands related to at least one of other components of the electronic device 101.
- the memory 130 is capable of storing software and/or a program module 140.
- the program module 140 is capable of including a kernel 141, middleware 143, application programming interface (API) 145, application programs (or applications) 147, etc.
- the kernel 141, middleware 143 or at least part of the API 145 may be called an operating system (OS).
- OS operating system
- the kernel 141 is capable of controlling or managing system resources (e.g., the bus 110, processor 120, memory 130, etc.) used to execute operations or functions of other programs (e.g., the middleware 143, API 145, and application programs 147).
- the kernel 141 provides an interface capable of allowing the middleware 143, API 145, and application programs 147 to access and control/manage the individual components of the electronic device 101.
- the middleware 143 is capable of mediating between the API 145 or application programs 147 and the kernel 141 so that the API 145 or the application programs 147 can communicate with the kernel 141 and exchange data therewith.
- the middleware 143 is capable of processing one or more task requests received from the application programs 147 according to the priority.
- the middleware 143 is capable of assigning a priority for use of system resources of the electronic device 101 (e.g., the bus 110, processor 120, memory 130, etc.) to at least one of the application programs 147.
- the middleware 143 processes one or more task requests according to a priority assigned to at least one application program, thereby performing scheduling or load balancing for the task requests.
- the API 145 refers to an interface configured to allow the application programs 147 to control functions provided by the kernel 141 or the middleware 143.
- the API 145 is capable of including at least one interface or function (e.g., instructions) for file control, window control, image process, text control, or the like.
- the input/output interface 150 may include various input/output circuitry and is capable of transferring instructions or data, received from the user or external devices, to one or more components of the electronic device 101.
- the input/output interface 150 is capable of outputting instructions or data, received from one or more components of the electronic device 101, to the user or external devices.
- the display 160 is capable of including a Liquid Crystal Display (LCD), a flexible display, a transparent display, a Light Emitting Diode (LED) display, an Organic Light Emitting Diode (OLED) display, Micro-Electro-Mechanical Systems (MEMS) display, an electronic paper display, or the like, but is not limited thereto.
- the display 160 is capable of displaying various types of content (e.g., texts, images, videos, icons, symbols, etc.).
- the display 160 may also be implemented with a touch screen. In this case, the display 160 is capable of receiving touches, gestures, proximity inputs or hovering inputs, via a stylus pen, or a user's body.
- the communication interface 170 may include various communication circuitry and is capable of establishing communication between the electronic device 101 and an external device (e.g., a first external device 102, a second electronic device 104, or a server 106).
- the communication interface 170 is capable of communicating with an external device (e.g., a second external device 104 or a server 106) connected to the network 162 via wired or wireless communication.
- Wireless communication may employ, as cellular communication protocol, at least one of the following: long-term evolution (LTE), LTE Advance (LTE-A), code division multiple access (CDMA), wideband CDMA (WCDMA), universal mobile telecommunications system (UMTS), Wireless Broadband (WiBro), and Global System for Mobile Communication (GSM).
- Wireless communication may also include short-range wireless communication 164.
- Short-range wireless communication 164 may include at least one of the following: wireless fidelity (WiFi), Bluetooth (BT), near field communication (NFC), Magnetic Secure Transmission (MST), and Global Navigation Satellite System (GNSS).
- the MST may generate a pulse by transmission data using an electromagnetic signal, and the pulse may generate a magnetic field signal.
- the electronic device 101 may transmit the magnetic field signal to the POS terminal, which detects the magnetic field signal by means of the MST reader and converts the magnetic field signal to an electric signal to recover the data.
- the GNSS may include at least one of the following: Global Positioning System (GPS), Global Navigation Satellite System (Glonass), Beidou Navigation Satellite System (hereinafter called 'Beidou”), Galileo, the European global satellite-based navigation system, according to GNSS using areas, bandwidths, etc.
- GPS Global Positioning System
- Glonass Global Navigation Satellite System
- 'Beidou Beidou Navigation Satellite System
- Galileo the European global satellite-based navigation system
- Wired communication may include at least one of the following: universal serial bus (USB), high definition multimedia interface (HDMI), recommended standard 232 (RS-232), and plain old telephone service (POTS).
- the network 162 may include at least one of the following: a telecommunications network, e.g., a computer network (e.g., LAN or WAN), the Internet, and a telephone network.
- the first and second external electronic devices 102 and 104 are each identical to or different from the electronic device 101, in terms of type.
- the server 106 is capable of including a group of one or more servers.
- part or all of the operations executed on the electronic device 101 may be executed on another electronic device or a plurality of other electronic devices (e.g., electronic devices 102 and 104 or a server 106).
- the electronic device when the electronic device needs to perform a function or service automatically or according to a request, it does not perform the function or service, but is capable of additionally requesting at least part of the function related to the function or service from other electronic device (e.g., electronic devices 102 and 104 or a server 106).
- the other electronic device e.g., electronic devices 102 and 104 or a server 1066 is capable of executing the requested function or additional functions, and transmitting the result to the electronic device 101.
- the electronic device 101 processes the received result, or further proceeds with additional processes, to provide the requested function or service.
- the electronic device 101 may employ cloud computing, distributed computing, or client-server computing technology.
- FIG. 2 is a block diagram illustrating an example electronic device 201 according to various example embodiments.
- the electronic device 201 is capable of including part or all of the components in the electronic device 101 illustrated in FIG. 1 .
- the electronic device 201 may include one or more processors (e.g., including processing circuitry) 210 (e.g., Application Processors (APs)), a communication module (e.g., including communication circuitry) 220, a Subscriber Identification Module (SIM) 224, a memory 230, a sensor module 240, a security module (e.g., including security circuitry) 236, an input device (e.g., including input circuitry) 250, a display 260, an interface (e.g., including interface circuitry) 270, an audio module 280, a camera module 291, a power management module 295, a battery 296, an indicator 297, and a motor 298.
- processors e.g., including processing circuitry
- APs Application Processors
- the processor 210 may include various processing circuitry and is capable of driving, for example, an operating system or an application program to control a plurality of hardware or software components connected to the processor 210, processing various data, and performing operations.
- the processor 210 may be implemented as, for example, a System on Chip (SoC).
- SoC System on Chip
- the processor 210 may further include a graphic processing unit (GPU) and/or an image signal processor.
- the processor 210 may also include at least part of the components illustrated in FIG. 2 , e.g., a cellular module 221.
- the processor 210 is capable of loading commands or data received from at least one of other components (e.g., a non-volatile memory) on a volatile memory, processing the loaded commands or data.
- the processor 210 is capable of storing various data in a non-volatile memory.
- the communication module 220 may include the same or similar configurations as the communication interface 170 illustrated in FIG. 1 .
- the communication module 170 may include various communication circuitry, such as, for example, and without limitation, a cellular module 221, WiFi module 223, Bluetooth (BT) module 225, GNSS module 226 (e.g., a GPS module, Glonass module, Beidou module or Galileo module), NFC module 227, MST module 228 and Radio Frequency (RF) module 229.
- the cellular module 221 is capable of providing a voice call, a video call, an SMS service, an Internet service, etc., through a communication network, for example.
- the cellular module 221 is capable of identifying and authenticating an electronic device 201 in a communication network by using a subscriber identification module (SIM) 224 (e.g., a SIM card).
- SIM subscriber identification module
- the cellular module 221 is capable of performing at least part of the functions provided by the processor 210.
- the cellular module 221 is also capable of including a communication processor (CP).
- CP communication processor
- Each of the WiFi module 223, the BT module 225, the GNSS module 226, the NFC module 227, and MST module 228 is capable of including a processor for processing data transmitted or received through the corresponding module.
- at least part of the cellular module 221, WiFi module 223, BT module 225, GNSS module 226, NFC module 228, and MST module 228 may be included in one integrated chip (IC) or one IC package.
- the RF module 229 is capable of transmission/reception of communication signals, e.g., RF signals.
- the RF module 229 is capable of including a transceiver, a power amp module (PAM), a frequency filter, a low noise amplifier (LNA), an antenna, etc.
- PAM power amp module
- LNA low noise amplifier
- at least one of the following modules: cellular module 221, WiFi module 223, BT module 225, GNSS module 226, NFC module 228, and MST module 228 is capable of transmission/reception of RF signals through a separate RF module.
- the SIM module 224 is capable of including a card including a subscriber identification module (SIM) and/or an embodied SIM.
- SIM subscriber identification module
- the SIM module 224 is also capable of containing unique identification information, e.g., integrated circuit card identifier (ICCID), or subscriber information, e.g., international mobile subscriber identity (IMSI).
- ICCID integrated circuit card identifier
- IMSI international mobile subscriber identity
- the memory 230 (e.g., memory 130 shown in FIG. 1 ) is capable of including a built-in memory 232 and/or an external memory 234.
- the built-in memory 232 is capable of including at least one of the following: a volatile memory, e.g., a dynamic RAM (DRAM), a static RAM (SRAM), a synchronous dynamic RAM (SDRAM), etc.; and a non-volatile memory, e.g., a one-time programmable ROM (OTPROM), a programmable ROM (PROM), an erasable and programmable ROM (EPROM), an electrically erasable and programmable ROM (EEPROM), a mask ROM, a flash ROM, a flash memory (e.g., a NAND flash memory, an NOR flash memory, etc.), a hard drive, a solid state drive (SSD), etc.
- a volatile memory e.g., a dynamic RAM (DRAM), a static RAM (SRAM
- the external memory 234 is also capable of including a flash drive, e.g., a compact flash (CF), a secure digital (SD), a micro secure digital (Micro-SD), a mini secure digital (Mini-SD), an extreme digital (xD), a multi-media card (MMC), a memory stick, etc.
- a flash drive e.g., a compact flash (CF), a secure digital (SD), a micro secure digital (Micro-SD), a mini secure digital (Mini-SD), an extreme digital (xD), a multi-media card (MMC), a memory stick, etc.
- the external memory 234 is capable of being connected to the electronic device 201, functionally and/or physically, through various interfaces.
- the security module 236 may include various security circuitry and has a storage space with a security level that is higher than that of the memory 230 and may be implemented as a circuit capable of guaranteeing safe data storage and a secure execution environment.
- the electronic device may encrypt the data requiring high security (e.g., biometric information, personal information, and credit card information) and store the key for use in the security module 236.
- the security module 236 may be implemented as a separate circuit and may include a separate processor.
- the security module 236 may be provided in the form of a detachable smart chip or an embedded secure element (eSE) included in a Secure Digital (SD) card or a chip embedded in the electronic device.
- the security module 236 may be executed on an Operating System (OS) different from that of the electronic device. For example, it may operate on a Java Card Open Platform (JCOP).
- OS Operating System
- JCOP Java Card Open Platform
- the sensor module 240 is capable of measuring/detecting a physical quantity or an operation state of the electronic device 201, and converting the measured or detected information into an electronic signal.
- the sensor module 240 is capable of including at least one of the following: a gesture sensor 240A, a gyro sensor 240B, an atmospheric pressure (e.g., barometer) sensor 240C, a magnetic sensor 240D, an acceleration sensor 240E, a grip sensor 240F, a proximity sensor 240G, a color sensor 240H (e.g., a red, green and blue (RGB) sensor), a biometric sensor 240I, a temperature/humidity sensor 240J, an illuminance sensor 240K, and a ultraviolet (UV) sensor 240M.
- a gesture sensor 240A e.g., a gyro sensor 240B
- an atmospheric pressure (e.g., barometer) sensor 240C e.g., barometer) sensor 240C
- the sensor module 240 is capable of further including an E-nose sensor, an electromyography (EMG) sensor, an electroencephalogram (EEG) sensor, an electrocardiogram (ECG) sensor, an infrared (IR) sensor, an iris sensor and/or a fingerprint sensor.
- the sensor module 240 is capable of further including a control circuit for controlling one or more sensors included therein.
- the electronic device 201 is capable of including a processor, configured as part of the processor 210 or a separate component, for controlling the sensor module 240. In this case, while the processor 210 is operating in sleep mode, the processor is capable of controlling the sensor module 240.
- the input device 250 may include various input circuitry, such as, for example, and without limitation, a touch panel 252, a (digital) pen sensor 254, a key 256, or an ultrasonic input unit 258.
- the touch panel 252 may be implemented with at least one of the following: a capacitive touch system, a resistive touch system, an infrared touch system, and an ultrasonic touch system.
- the touch panel 252 may further include a control circuit.
- the touch panel 252 may also further include a tactile layer to provide a tactile response to the user.
- the (digital) pen sensor 254 may be implemented with a part of the touch panel or with a separate recognition sheet.
- the key 256 may include a physical button, an optical key, or a keypad.
- the ultrasonic input unit 258 is capable of detecting ultrasonic waves, created in an input tool, through a microphone 288, and identifying data corresponding to the detected ultrasonic waves.
- the display 260 (e.g., the display 160 shown in FIG. 1 ) is capable of including a panel 262, a hologram unit 264, or a projector 266.
- the panel 262 may include the same or similar configurations as the display 160 illustrated in FIG. 1 .
- the panel 262 may be implemented to be flexible, transparent, or wearable.
- the panel 262 may also be incorporated into one module together with the touch panel 252.
- the hologram unit 264 is capable of showing a stereoscopic image in the air by using light interference.
- the projector 266 is capable of displaying an image by projecting light onto a screen.
- the screen may be located inside or outside of the electronic device 201.
- the display 260 may further include a control circuit for controlling the panel 262, the hologram unit 264, or the projector 266.
- the interface 270 may include various interface circuitry, such as, for example, and without limitation, a high-definition multimedia interface (HDMI) 272, a universal serial bus (USB) 274, an optical interface 276, or a D-subminiature (D-sub) 278.
- the interface 270 may be included in the communication interface 170 shown in FIG. 1 .
- the interface 270 is capable of including a mobile high-definition link (MHL) interface, a secure digital (SD) card/multimedia card (MMC) interface, or an infrared data association (IrDA) standard interface.
- MHL mobile high-definition link
- SD secure digital
- MMC multimedia card
- IrDA infrared data association
- the audio module 280 is capable of providing bidirectional conversion between a sound and an electronic signal. At least part of the components in the audio module 280 may be included in the input/output interface 150 shown in FIG. 1 .
- the audio module 280 is capable of processing sound information input or output through a speaker 282, a receiver 284, earphones 286, microphone 288, etc.
- the camera module 291 refers to a device capable of taking both still and moving images. According to an embodiment, the camera module 291 is capable of including one or more image sensors (e.g., a front image sensor or a rear image sensor), a lens, an image signal processor (ISP), a flash (e.g., an LED or xenon lamp), etc.
- image sensors e.g., a front image sensor or a rear image sensor
- ISP image signal processor
- flash e.g., an LED or xenon lamp
- the power management module 295 is capable of managing power of the electronic device 201.
- the power management module 295 is capable of including a power management integrated circuit (PMIC), a charger IC, or a battery or fuel gauge.
- PMIC power management integrated circuit
- the PMIC may employ wired charging and/or wireless charging methods. Examples of the wireless charging method are magnetic resonance charging, magnetic induction charging, and electromagnetic charging.
- the PIMC may further include an additional circuit for wireless charging, such as a coil loop, a resonance circuit, a rectifier, etc.
- the battery gauge is capable of measuring the residual capacity, charge in voltage, current, or temperature of the battery 296.
- the battery 296 takes the form of either a rechargeable battery or a solar battery.
- the indicator 297 is capable of displaying a specific status of the electronic device 201 or a part thereof (e.g., the processor 210), e.g., a boot-up status, a message status, a charging status, etc.
- the motor 298 is capable of converting an electrical signal into mechanical vibrations, such as, a vibration effect, a haptic effect, etc.
- the electronic device 201 is capable of further including a processing unit (e.g., GPU) for supporting a mobile TV.
- the processing unit for supporting a mobile TV is capable of processing media data pursuant to standards, e.g., digital multimedia broadcasting (DMB), digital video broadcasting (DVB), or mediaFloTM, etc.
- DMB digital multimedia broadcasting
- DVD digital video broadcasting
- mediaFloTM mediaFloTM
- FIG. 3 is a block diagram illustrating an example programming module according to various embodiments.
- the program module 310 e.g., program module 140 illustrated in FIG. 1
- the program module 310 is capable of including an operation system (OS) for controlling resources related to the electronic device (e.g., electronic device 101) and/or various applications (e.g., application programs 147 illustrated in FIG. 1 ) running on the OS.
- the OS may be Android, iOS, Windows, Symbian, Tizen, Bada, etc.
- the program module 310 may include a kernel 320, middleware 330, application programming interface (API) 360 and/or applications 370. At least part of the program module 310 may be preloaded on the electronic device or downloaded from a server (e.g., an electronic device 102 or 104, server 106, etc.).
- a server e.g., an electronic device 102 or 104, server 106, etc.
- the kernel 320 may include a system resource manager 321 and/or a device driver 323.
- the system resource manager 321 may include, for example, a process manager, a memory manager, and a file system manager.
- the system resource manager 321 may perform a system resource control, allocation, and recall.
- the device driver 323 may include, for example, a display driver, a camera driver, a Bluetooth driver, a shared memory driver, a USB driver, a keypad driver, a WiFi driver, and an audio driver. Further, according to an embodiment, the device driver 323 may include an Inter-Process Communication (IPC) driver.
- IPC Inter-Process Communication
- the middleware 330 may provide a function required in common by the applications 370. Further, the middleware 330 may provide a function through the API 360 to allow the applications 370 to efficiently use limited system resources within the electronic device.
- the middleware 330 (for example, the middleware 143) may include at least one of a runtime library 335, an application manager 341, a window manager 342, a multimedia manager 343, a resource manager 344, a power manager 345, a database manager 346, a package manager 347, a connection manager 348, a notification manager 349, a location manager 350, a graphic manager 351, and a security manager 352.
- the runtime library 335 may include, for example, a library module used by a complier to add a new function through a programming language while the applications 370 are executed. According to an embodiment, the runtime library 335 executes input and output, management of a memory, a function associated with an arithmetic function and the like.
- the application manager 341 may manage, for example, a life cycle of at least one of the applications 370.
- the window manager 342 may manage GUI resources used on the screen.
- the multimedia manager 343 may detect a format required for reproducing various media files and perform an encoding or a decoding of a media file by using a codec suitable for the corresponding format.
- the resource manager 344 manages resources such as a source code, a memory, or a storage space of at least one of the applications 370.
- the power manager 345 may operate together with a Basic Input/Output System (BIOS) to manage a battery or power and provides power information required for the operation.
- BIOS Basic Input/Output System
- the database manager 346 may manage generation, search, and change of a database to be used by at least one of the applications 370.
- the package manager 347 may manage an installation or an update of an application distributed in a form of a package file.
- the connection manager 348 may manage, for example, a wireless connection such as WiFi or Bluetooth.
- the notification manager 349 may display or notify a user of an event such as an arrival message, an appointment, a proximity alarm or the like, in a manner that does not disturb the user.
- the location manager 350 may manage location information of the electronic device.
- the graphic manager 351 may manage a graphic effect provided to the user or a user interface related to the graphic effect.
- the security manager 352 provides a general security function required for a system security or a user authentication.
- the middleware 330 may further include a telephony manager for managing a voice of the electronic device or a video call function.
- the middleware 330 is capable of including modules configuring various combinations of functions of the above described components.
- the middleware 330 is capable of providing modules specialized according to types of operation systems to provide distinct functions.
- the middleware 330 may be adaptively configured in such a way as to remove part of the existing components or to include new components.
- the API 360 may be a set of API programming functions, and may be provided with a different configuration according to an operating system. For example, in Android or iOS, a single API set may be provided for each platform. In Tizen, two or more API sets may be provided.
- the applications 370 may include one or more applications for performing various functions, e.g., home 371, dialer 372, SMS/MMS 373, instant message (IM) 374, browser 375, camera 376, alarm 377, contact 378, voice dial 379, email 380, calendar 381, media player 382, album 383, clock 384, and may include various other applications not shown in FIG. 3 , such as, for example, and without limitation, health care (e.g., an application for measuring amount of exercise, blood sugar level, etc.), and environment information (e.g., an application for providing atmospheric pressure, humidity, temperature, etc.).
- health care e.g., an application for measuring amount of exercise, blood sugar level, etc.
- environment information e.g., an application for providing atmospheric pressure, humidity, temperature, etc.
- the applications 370 are capable of including an application for supporting information exchange between an electronic device (e.g., electronic device 101) and an external device (e.g., electronic devices 102 and 104), which is hereafter called 'information exchange application').
- the information exchange application is capable of including a notification relay application for relaying specific information to external devices or a device management application for managing external devices.
- the notification relay application is capable of including a function for relaying notification information, created in other applications of the electronic device (e.g., SMS/MMS application, email application, health care application, environment information application, etc.) to external devices (e.g., electronic devices 102 and 104).
- the notification relay application is capable of receiving notification information from external devices to provide the received information to the user.
- the device management application is capable of managing (e.g., installing, removing or updating) at least one function of an external device (e.g., electronic devices 102 and 104) communicating with the electronic device.
- the function are a function of turning-on/off the external device or part of the external device, a function of controlling the brightness (or resolution) of the display, applications running on the external device, services provided by the external device, etc.
- the services are a call service, messaging service, etc.
- the applications 370 are capable of including an application (e.g., a health care application of a mobile medical device, etc.) specified attributes of an external device (e.g., electronic devices 102 and 104). According to an embodiment, the applications 370 are capable of including applications received from an external device (e.g., a server 106, electronic devices 102 and 104). According to an embodiment, the applications 370 are capable of including a preloaded application or third party applications that can be downloaded from a server. It should be understood that the components of the program module 310 may be called different names according to types of operating systems.
- At least part of the program module 310 can be implemented with software, firmware, hardware, or any combination of two or more of them. At least part of the program module 310 can be implemented (e.g., executed) by a processor (e.g., processor 210). At least part of the programing module 310 may include modules, programs, routines, sets of instructions or processes, etc., in order to perform one or more functions.
- module used in this disclosure may refer, for example, to a certain unit that includes one of hardware, software and firmware or any combination thereof.
- the module may be interchangeably used with unit, logic, logical block, component, or circuit, for example.
- the module may be the minimum unit, or part thereof, which performs one or more particular functions.
- the module may be formed mechanically or electronically.
- the module disclosed herein may include at least one of a dedicated processor, a CPU, an ASIC (Application-Specific Integrated Circuit) chip, FPGAs (Field-Programmable Gate Arrays), and programmable-logic device, which have been known or are to be developed.
- ASIC Application-Specific Integrated Circuit
- FPGAs Field-Programmable Gate Arrays
- programmable-logic device which have been known or are to be developed.
- FIG. 4 is a diagram illustrating an example system for a payment operation of an electronic device according to various example embodiments of the present disclosure.
- the electronic device 410 may be equivalent to the electronic device 101 of FIG. 1 or the electronic device 201 of FIG. 2 . According to an embodiment, the electronic device 410 may include at least one of the components of the electronic device 101 of FIG. 1 and the electronic device 201 of FIG. 2 .
- the electronic device 410 may include a first communication module (e.g., short range communication module such as a Near Field Communication (NFC) module), and a second communication module (e.g., MST module).
- a first communication module e.g., short range communication module such as a Near Field Communication (NFC) module
- NFC Near Field Communication
- MST module second communication module
- the electronic device 410 may transmit the first payment information (e.g., token and token cryptogram) to the POS terminal 420 by means of the NFC module. If an NFC signal is received from an external device (e.g., POS terminal 420), the electronic device 410 may transmit the first payment information to the external device.
- the POS terminal may be a terminal capable of short range communication to receive the magnetic field signal.
- the POS terminal may be an electronic cash register, a tag reader, or a credit card reader.
- the electronic device 410 may transmit the second payment information (e.g., token and token cryptogram) to the POS terminal 420 by means of the MST module.
- the electronic device 410 may transmit to the magnetic signal reader of the POS terminal 420 the payment information in a track data format.
- the track data format may include an authentication code generated with a specific time (e.g., payment time and preconfigured time).
- the POS terminal 420 may forward the payment information received from the electronic device 410 to the first financial server 430.
- the first financial server 430 may perform authentication on the payment information received from the POS terminal 420. For example, the first financial server 430 may check time information or the authentication code created with the time information that is included in the second payment information. If the time associated with the checked authentication code is greater than a predetermined time, the first financial server 430 may transmit an authentication failure result value to the POS terminal 420 and/or the second financial server 440.
- the first financial server 430 may request to the second financial server 440 for authentication on the payment information.
- the second financial server 440 may transmit the payment information authentication result received from the first financial server 430 to the POS terminal 420. If the authentication fails, the POS terminal 420 may print out a transaction completion receipt or transmit authentication failure data to the electronic device 410, which displays a transaction failure message based on the received data.
- FIG. 5 is a diagram illustrating an example payment transaction system according to various example embodiments of the present disclosure.
- the payment transaction system of the present disclosure includes an electronic device 500, a payment server 510, and a financial server 530.
- the electronic device 500 may be equivalent of the electronic device 101 of FIG. 1 and the electronic device 201 of FIG. 2 .
- the electronic device 500 may include at least one of the components of the electronic device 101 of FIG. 1 and the electronic device 201 of FIG. 2 .
- the electronic device 500 may include a first communication module (e.g., short range communication module such as an NFC module) and a second communication module (e.g., MST module).
- a first communication module e.g., short range communication module such as an NFC module
- a second communication module e.g., MST module
- the electronic device 500 may be provided with a payment application providing a payment-related user interface.
- the electronic device 500 may store a payment application providing a wallet user interface, a credit card registration user interface, a payment user interface, and a transaction user interface.
- the electronic device 500 may provide an Optical Character Reader/Recognition (OCR) or external input-based card registration user interface.
- OCR Optical Character Reader/Recognition
- the electronic device 500 may store an identification and verification-based (ID&V-based) user authentication interface.
- the electronic device 500 may execute the payment application for performing a payment transaction.
- the electronic device 500 may execute a Simple pay, a Quick pay, or a designated application to provide the user with a payment service.
- the electronic device 500 may execute a payment function to provide the payment function-related information by means of the payment application.
- the electronic device 500 may store information on a credit card company.
- the electronic device 500 may store a credit card company Software Development Kit (SDK).
- SDK Software Development Kit
- the payment server 510 may transmit/receive and process payment related information. According to an embodiment of the present disclosure, the payment server 510 may manage the information on the credit card associated with a service account or a user account. According to an embodiment of the present disclosure, the payment server 510 may include a module for managing user accounts.
- the payment server 510 may provide an interface for processing payment information.
- the payment server 510 may issue, delete, or activate payment information.
- the payment server 510 may manage a token operation period including creation, modification, and deletion functions.
- the payment server 510 may perform token provisioning, Identification and Verification (ID&V), replenishment, and Life Cycle management.
- ID&V Identification and Verification
- the financial server 530 may issue a credit card.
- the financial server 530 may belong to a card issuance bank.
- the financial server 530 may generate information for use by the user in payment.
- the financial server 530 may communicate payment-related information with the payment server 510.
- the payment server 510 may include a plurality of servers that are responsible for separate functions such as token configuration, user identification, and token update. For example, it may be possible to implement a plurality of token service servers to share token data.
- the created payment information (e.g., token) may be stored in the security module.
- FIG. 6 is a block diagram illustrating an example electronic device according to various example embodiments of the present disclosure.
- the electronic device 600 may include a processor (e.g., including processing circuitry) 610, a first communication module (e.g., including first communication circuitry) 620, a second communication module (e.g., including second communication circuitry) 630, and a security module 640.
- the electronic device 600 may be equivalent to the electronic device 101 of FIG. 1 or the electronic device 201 of FIG. 2 .
- the electronic device 600 may include at least one (e.g., sensor module 240 and display module 260) of the components of the electronic device 101 of FIG. 1 and the electronic device 201 of FIG. 2 .
- the processor 610 may be equivalent to the processor 120 of FIG. 1 or the application processor 210 of FIG. 2 .
- the processor 610 may perform payment in a Trusted Execution Environment (TEE).
- TEE is a secure environment capable of storing data with relatively high security levels and performing related operations.
- the TEE is located in the processor 610 of the electronic device 600 and operates based on a trusted hardware structure determined at the manufacturing state of the electronic device 600.
- the processor 610 or memory (not shown) is split into a normal region and a security region, the TEE is located in the security region.
- the TEE may be configured such that a software or hardware component requiring security operates in the security region.
- the electronic device 600 may manage the TEE through physical hardware modification or logical software modification.
- the first and second communication modules 620 and 630 may be electrically connected to the processor 610. According to an embodiment, the first and second communication modules 620 and 630 may be electrically connected to the security module 640.
- the electronic device 600 may include a processor 610, a first communication module 620 which may include various communication circuitry for transmitting/receiving the first payment information, a second communication module 630 which may include various communication circuitry for transmitting the second payment information, and a security module 640.
- the processor 610 may be functionally connected to the first and second communication modules 620 and 630.
- the first communication module 620 may be the short-range communication (NFC) module
- the second communication module 630 may be the MST module.
- the first communication module 620 may include the NFC module 225 of FIG. 2
- the second communication module 630 may include the MST module 226 of FIG. 2 .
- the security module 640 may be equivalent to the security module 236 of FIG. 2 .
- the memory (not shown) is a module having a storage space with a relatively high security level and thus may be implemented as a circuit guaranteeing secure data storage and a protected execution environment.
- the electronic device 600 may encrypt data requiring high security (e.g., biometric information, personal information, and credit card information) and store the key used in data encryption in the security module 640.
- the security module 640 may store transaction or authentication information. According to an embodiment, the security module 640 may transmit the transaction or authentication information to the first and second communication modules 620 and 630.
- the security module 640 may store security-requiring information such as an account number, a token, and an encryption key.
- the account number may be credit card information such as a unique number of a credit card.
- the token may be used as the information in place of the unique number of the credit card.
- the account number and token may be used in an electronic payment, and the encryption key may be used for generating encryption data for payment authentication.
- the token and account number may be transmitted along with the encryption data.
- the payment information may be stored in the security module 640, to which at least one of the first and second communication modules 620 and 630 is allowed to access.
- the security module 640 may store the first payment information corresponding to the first communication module 620 and the second payment information corresponding to the second communication module 630.
- the security module 640 may permit access of the processor 610 through the first communication module 620 and may not permit access through the second communication module 630.
- the security module 640 may permit access of the processor 610 through the second communication module 630 and may not permit access through the first communication module 620.
- the first payment information and the second payment information have different encrypted tokens for the same account information.
- the encrypted token corresponding to the first payment information of a bank A account is "AAAA” while the encrypted token corresponding to the second payment information of the bank A account is "BBBB”.
- the payment information may include a token containing at least one of the information on the account associated with the payment request and identity information (e.g., Integrated Circuit Card Identifier (ICCID) and International Mobile Subscriber Identity (IMSI)).
- identity information e.g., Integrated Circuit Card Identifier (ICCID) and International Mobile Subscriber Identity (IMSI)
- the first communication module may operate in one of three communication modes: card emulation mode, reader/writer mode, and peer-to-peer (P2P) mode.
- card emulation mode the authentication information stored in the security module 640 may be transmitted to an external reader.
- reader/writer mode external tag information is acquired.
- the P2P mode supports data exchange between devices.
- the processor 610 may adjust the strength of the magnetic field signal transmitted from the second communication module 630 to the POS terminal and select, when there is a plurality of coil antennas, one of the coil antennas.
- the second communication module 630 may receive a pulse signal carrying the payment information transmitted by the processor 610 or the security module 640.
- the second communication module 630 may receive data in the magnetic stripe format with the token and payment information on one of track 1, 2, and 3 of a magnetic card.
- track 1 carries bank account information
- track 2 carries a credit card number, issuance date, and validity period
- track 3 carries affiliated company information.
- the processor 610 may receive a payment request signal.
- the processor 610 may receive a user input for payment request or an NFC communication request signal.
- the processor 610 may select one of the first and second communication modules 620 and 630. According to various embodiments of the present disclosure, the processor 610 may be configured to transmit the payment information (e.g., first payment information and second payment information) corresponding to the selected communication module to an external device (e.g., POS terminal). For example, if the first communication module 620 is selected, the processor 610 may transmit the first payment information to the external device. If the second communication module 630 is selected, the processor 610 may transmit the second payment information to the external device.
- the payment information e.g., first payment information and second payment information
- the processor 610 may select the first communication module (e.g., NFC module 620) upon receipt of the payment request signal from the external device. For example, if the electronic device 600 approaches or contacts the reader of the POS terminal, the first communication module 620 may receive an authentication information request from the POS terminal. According to an embodiment, the first communication module 620 may transmit the first payment information to the POS terminal.
- the first communication module e.g., NFC module 620
- the processor 610 may select the second communication module (e.g., MST module 630) upon receipt of a user input.
- the second communication module 630 may transmit the second payment information to the POS terminal according to the transmission command from the processor 610.
- the second communication module 630 may be replaced with a module of outputting a barcode, a QR code, or audio data.
- the security module 640 may transmit the second payment information to the second communication module 630 through the processor 610.
- the payment information generated by the security module 640 may be security-reinforced through recombination, new encryption, or addition of security data in the TEE of the processor 610.
- the payment information added and modified by the processor 610 may be transmitted to the MST module.
- the security module 640 may transmit the second payment information to the second communication module 630 via the first communication module 620.
- the security module 640 may transmit the payment information to the MST module via the NFC module for MST payment.
- the security module 640 may transmit the second payment information to the second communication module 630 directly for MST payment.
- the processor 610 may transmit a token request signal to a second external device (e.g., payment server). According to an embodiment, the processor 610 may receive a token from the second external device (e.g., token issuance server and payment server) in response to the token request signal.
- a second external device e.g., payment server
- the processor 610 may receive a token from the second external device (e.g., token issuance server and payment server) in response to the token request signal.
- the processor 610 may transmit the payment information stored in the security module 640 to the external device (e.g., POS terminal).
- the security module 640 may transmit the token stored in the security module 640 to the second communication module 630.
- the token is digital data substituting for a credit card and received from a server of the credit card company when registering the credit card with the electronic device 600. The token may be received from the external device periodically for update and stored in the memory or the security module 640.
- the processor 610 may be configured to delete the payment information (e.g., to discard the token) when a payment completion signal is received from the external device.
- the processor 610 may receive biometric information and, if the received biometric information matches previously stored biometric information, transmit the payment information to the external device.
- the electronic device 600 may further include a sensor module (not shown).
- the electronic device 600 may acquire biometric information of the user (e.g., fingerprint, iris, facial image, blood pressure, voice, and heart rate) by means of the sensor module (e.g., camera and fingerprint sensor).
- biometric information of the user e.g., fingerprint, iris, facial image, blood pressure, voice, and heart rate
- the sensor module e.g., camera and fingerprint sensor
- the electronic device 600 may perform an authentication process to acquire security data (e.g., token) from a secure memory (e.g., security module 640 and memory accessible in a secure environment) which is functionally connected to the electronic device 600 in attempting payment using the card information registered with the electronic device 600.
- security data e.g., token
- a secure memory e.g., security module 640 and memory accessible in a secure environment
- biometric information e.g., fingerprint and iris
- the electronic device 600 may perform payment using the credit card information and biometric information registered with the electronic device 600. According to an embodiment, if the biometric information authentication succeeds, the electronic device 600 can make a payment. According to an embodiment, if the biometric information authentication fails, the electronic device 600 cannot make a payment.
- the electronic device 600 may request for other biometric information. For example, the electronic device 600 may request for right iris information in association with the first card information and right thumb fingerprint information in association with the second card information.
- the electronic device 600 may include the first communication module 620 for transmitting/receiving the first payment information, the second communication module 630 for transmitting the second payment information, and the processor 610 which is functionally connected to the first and second communication modules.
- the first communication module 620 may be the short-range communication module (NFC module) and the second communication module 630 may be the MST module.
- NFC module short-range communication module
- MST module MST module
- the processor 610 may be configured to select one of the communication modules upon detection of a user input.
- the security module 640 may generate the payment information to the selected communication module.
- the security module 640 may be configured to transmit the second payment information to the second communication module 630 via the processor 610 or via the first communication module 620 or directly.
- the payment information may include the token containing at least one of the information on the account associated with the payment request and identity information.
- the processor 610 may be configured to transmit a token request signal to the second external device and receive the token from the second external device when a payment request signal is received.
- the first payment information and the second payment information may have different encrypted tokens for the same account information.
- the processor 610 may be configured to delete the payment information upon receipt of a payment completion signal from the external device.
- the processor 610 may be configured to receive biometric information and transmit the payment information to the external device when the received biometric information matches previously stored biometric information.
- FIG. 7 is a flowchart illustrating an example payment method of an electronic device according to various embodiments of the present disclosure.
- the electronic device 600 may receive a payment request signal at step 710.
- the electronic device 600 may receive a user input for payment request or detect an NFC signal while approaching an external device (e.g., POS terminal).
- the electronic device 600 may receive an activation signal from the external device (e.g., POS terminal).
- the electronic device 600 may select one of the first communication module 620 for transmitting/receiving the first payment information and the second communication module 630 for transmitting the second payment information based on the received signal at step 720.
- the first communication module 620 may be the short-range communication module (NFC module), and the second communication module 630 may be the MST module.
- the payment information (e.g., first payment information and second payment information) may include a token containing at least one of the information on the account associated with the payment request and the identity information.
- the security module 640 may transmit the payment information to the selected communication module.
- the token may be a value substituting for the Primary Account Number (PAN) as the credit card information.
- the token may be used for generating a Bank Identity Number (BIN).
- the token may be encrypted by an external server and decrypted by the electronic device 600.
- the first payment information and the second payment information may have different encrypted tokens for the same account information.
- the payment information may be stored in the security module 640, which limits access by the processor 610 of the electronic device 600 but allows access by one of the first and second communication modules 620 and 630.
- the electronic device 600 may select the first communication module 620. According to an embodiment, the electronic device 600 may select the second communication module 630 upon detection of a user input.
- the electronic device 600 may transmit payment information corresponding to the selected communication module to the external device at step 730. According to an embodiment of the present disclosure, if the second communication module 630 is selected, the electronic device 600 may transmit the payment information stored in the security module 640 to the external device.
- the security module 640 may transmit the second payment information to the second communication module 630 via the processor 610. According to an embodiment, the security module 640 may transmit the second payment information to the second communication module 630 via the first communication module 620. According to an embodiment, the security module 640 may transmit the second payment information to the second communication module 630 directly.
- the electronic device 600 may transmit a token request signal to a second external device (e.g., payment server and token issuance server).
- the electronic device 600 may receive the token from the second external device (e.g., payment server) in response to the token request signal.
- the electronic device 600 may delete (or discard) the payment information. For example, if a payment accept signal is received from the external device (e.g., POS terminal), the electronic device 600 may discard the token used in the payment transaction.
- the external device e.g., POS terminal
- the electronic device 600 may receive biometric information. According to an embodiment, if the received biometric information matches previously stored biometric information, the electronic device 600 may transmit the payment information to the external device.
- the payment transaction method of the electronic device 600 may include receiving a payment request signal, selecting one of the first communication module 620 for transmitting/receiving the first payment information and the second communication module 630 for transmitting the second payment information, and transmitting the payment information corresponding to the selected communication module to an external device.
- the first communication module 620 may be the short-range communication module (NFC module)
- the second communication module 630 may be the MST module.
- the communication module selection is made upon detection of a user input.
- the security module may generate the payment information to the selected communication module.
- the payment transaction method of the electronic device 600 may further include transmitting, when the second communication module is selected, the second payment information generated by the security module to the second communication module via one of the processor and the first communication module or directly.
- the payment information may include a token containing at least one of account information associated with the payment information and identity information.
- the payment transaction method of the electronic device 600 may further include transmitting, when the payment request signal is received, a token request signal and receiving the token from the second external device in response to the token request signal.
- the first payment information and the second payment information may have different encrypted tokens for the same account information.
- the payment transaction method of the electronic device 600 may include deleting the payment information when a payment completion signal is received from the external device.
- the payment transaction method of the electronic device 600 may include receiving biometric information and transmitting, when the received biometric information matches previously stored biometric information, the payment information to the external device.
- the payment transaction method and device of the present disclosure is capable of supporting mobile payment service based on various communication protocols. Also, the payment transaction method and apparatus of the present disclosure is capable of improving the security of a mobile payment environment using an enhanced security region.
- At least part of the device (e.g., modules or functions thereof) or method (e.g., operations) according to various embodiments may be implemented as commands stored, e.g., in the form of program module, in a computer-readable storage medium.
- this processor may perform a particular function corresponding to the commands.
- the computer-readable storage medium may be, for example, the memory.
- At least some of the program module may be implemented (e.g., executed) by, for example, the processor.
- At least some of the program module may include, for example, a module, a program, a routine, a set of instructions, and/or a process for performing one or more functions.
- the non-transitory computer-readable recording medium may include magnetic media such as a hard disk, a floppy disk, and a magnetic tape, optical media such as a compact disc read only memory (CD-ROM) and a digital versatile disc (DVD), magneto-optical media such as a floptical disk, and hardware devices specially configured to store and perform a program instruction.
- the program instructions may include high class language codes, which can be executed in a computer by using an interpreter, as well as machine codes made by a compiler.
- the aforementioned hardware device may be configured to operate as one or more software modules in order to perform the operation of various embodiments of this disclosure, and vice versa.
- a module or programming module may include or exclude at least one of the above-discussed elements or further include any other element.
- the operations performed by the module, programming module or any other element according to various embodiments may be executed sequentially, in parallel, repeatedly, or by a heuristic method. Additionally, some operations may be executed in different orders or omitted, or any other operation may be added.
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- Theoretical Computer Science (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Finance (AREA)
- Computer Security & Cryptography (AREA)
- Computer Networks & Wireless Communication (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Marketing (AREA)
- Telephone Function (AREA)
- Signal Processing (AREA)
- User Interface Of Digital Computer (AREA)
Abstract
Description
- The present disclosure relates generally to a payment transaction method and an electronic device therefor.
- With the advance of technology, electronic devices have become essential for daily life. Such electronic devices have evolved to multimedia communication tools capable of supporting various data communication and supplementary services as well as legacy voice communication services. For example, an electronic device may be configured to receive broadcast or multicast signals to play videos and television programs. An electronic device may transmit data to another electronic device through a wired/wireless network (e.g., Bluetooth and 3rd Generation (3G) networks).
- An electronic device may be provided with a banking application capable of allowing a user to deposit and withdraw money. For example, the user may deposit and withdraw money to and from a user's bank account using user authentication information stored in the memory of the electronic device.
- The present disclosure provides a payment transaction method and device that is capable of transmitting payment information by means of at least one communication module for mobile payment services.
- In accordance with an example aspect of the present disclosure, an electronic device is provided. The electronic device includes a first communication module comprising communication circuitry configured to transmit and receive first payment information, a second communication module comprising communication circuitry configured to transmit second payment information, and a processor which is functionally connected to the first and second communication modules, wherein the processor is configured to receive a payment request signal, to select one of the first and second communication modules, and to transmit payment information corresponding to the selected communication module to an external device.
- In accordance with another example aspect of the present disclosure, a payment transaction method of an electronic device is provided. The payment transaction method includes receiving a payment request signal, selecting one of a first communication module and a second communication module based on the received signal, and transmitting payment information corresponding to the selected communication module to an external device.
- These and other aspects, features and attendant advantages of the present disclosure will be more easily understood and readily appreciated from the following detailed description, taken in conjunction with the accompanying drawings, in which like reference numerals refer to like elements, and wherein:
-
FIG. 1 is a diagram illustrating an example network environment including an electronic device according to various example embodiments of the present disclosure; -
FIG. 2 is a block diagram illustrating an example electronic device according to various example embodiments of the present disclosure; -
FIG. 3 is a block diagram illustrating an example program module according to various example embodiments of the present disclosure; -
FIG. 4 is a diagram illustrating an example system for a payment operation of an electronic device according to various example embodiments of the present disclosure; -
FIG. 5 is a diagram illustrating an example payment transaction system according to various example embodiments of the present disclosure; -
FIG. 6 is a block diagram illustrating an example electronic device according to various example embodiments of the present disclosure; and -
FIG. 7 is a flowchart illustrating an example payment method of an electronic device according to various example embodiments of the present disclosure. - Hereinafter, various example embodiments of the present disclosure is described with reference to the accompanying drawings. Although specific embodiments are illustrated in the drawings and related detailed descriptions are discussed in the present disclosure, the present disclosure may have various modifications and several embodiments. However, various embodiments of the present disclosure are not limited to a specific implementation form and it should be understood that the present disclosure includes all changes and/or equivalents and substitutes included in the spirit and scope of various embodiments of the present disclosure. In connection with descriptions of the drawings, similar components are designated by the same reference numeral.
- In various embodiments of the present disclosure, the terms such as "include", "have", "may include" or "may have" may be understood to denote a certain characteristic, number, step, operation, constituent element, component or a combination thereof, but may not be construed to exclude the existence of or a possibility of addition of one or more other characteristics, numbers, steps, operations, constituent elements, components or combinations thereof.
- In various embodiments of the present disclosure, the expression "or" or "at least one of A or/and B" includes any or all of combinations of words listed together. For example, the expression "A or B" or "at least A or/and B" may include A, may include B, or may include both A and B.
- The expression "1", "2", "first", or "second" used in various embodiments of the present disclosure may modify various components of the various embodiments but does not limit the corresponding components. For example, the above expressions do not limit the sequence and/or importance of the components. The expressions may be used for distinguishing one component from other components. For example, a first user device and a second user device indicate different user devices although both of them are user devices. For example, without departing from the scope of the present disclosure, a first structural element may be referred to as a second structural element. Similarly, the second structural element also may be referred to as the first structural element.
- When it is stated that a component is "(operatively or communicatively) coupled to" or "connected to" another component, the component may be directly coupled or connected to another component or a new component may exist between the component and another component. On the other hand, when it is stated that a component is "directly coupled to" or "directly connected to" another component, a new component does not exist between the component and another component. In the present disclosure, the expression "configured (or set) to do" may be used interchangeably with, for example, "suitable for doing," "having the capacity to do," "designed to do," "adapted to do," "made to do," or "capable of doing." The expression "configured (or set) to do" may not be used to refer to only something in hardware for which it is "specifically designed to do." Instead, the expression "a device configured to do" may indicate that the device is "capable of doing" something with other devices or parts. For example, the expression "a processor configured (or set) to do A, B and C" may refer to a dedicated processor (e.g., an embedded processor) or a generic-purpose processor (e.g., CPU or application processor) that may execute one or more software programs stored in a memory device to perform corresponding functions.
- An electronic device according to various example embodiments of the present disclosure may be a device including an antenna. For example, the electronic device may be one or more of the following: a smart phone, a tablet Personal Computer (PC), a mobile phone, a video phone, an e-book reader, a desktop PC, a laptop PC, a netbook computer, a Personal Digital Assistant (PDA), Portable Multimedia Player (PMP), MP3 player, a mobile medical application, a camera, and a wearable device (for example, a Head-Mounted-Device (HMD), such as electronic glasses, electronic clothes, an electronic bracelet, an electronic necklace, an electronic appcessary, an electronic tattoo, and a smart watch), or the like, but is not limited thereto.
- According to some embodiments, the electronic device may be a smart home appliance having an antenna. The smart home appliance may include at least one of the following: a Television (TV), a Digital Video Disk (DVD) player, an audio player, an air conditioner, a cleaner, an oven, a microwave oven, a washing machine, an air purifier, a set-top box, a TV box (for example, Samsung HomeSync™, Apple TV™, or Google TV™), game consoles, an electronic dictionary, an electronic key, a camcorder, and an electronic frame, or the like, but is not limited thereto.
- According to some embodiments, the electronic device may include at least one of the following: various types of medical devices (for example, Magnetic Resonance Angiography (MRA), Magnetic Resonance Imaging (MRI), Computed Tomography (CT), a scanner, an ultrasonic device and the like), a navigation device, a Global Positioning System (GPS) receiver, an Event Data Recorder (EDR), a Flight Data Recorder (FDR), a vehicle infotainment device, electronic equipment for a ship (for example, a navigation device for ship, a gyro compass and the like), avionics, a security device, a head unit for a vehicle, an industrial or home robot, an Automatic Teller Machine (ATM) of financial institutions, and a Point Of Sale (POS) device of shops, or the like, but is not limited thereto.
- According to some embodiments, the electronic device may include at least one of the following: furniture or a part of a building/structure, an electronic board, an electronic signature receiving device, a projector, and various types of measuring devices (for example, a water meter, an electricity meter, a gas meter, a radio wave meter and the like), or the like, which are equipped with an antenna, but are not limited thereto. The electronic device according to various embodiments of the present disclosure may also be a combination of the devices listed above. Further, the electronic device according to various embodiments of the present disclosure may be a flexible device. It is apparent to those skilled in the art that the electronic device according to various embodiments of the present disclosure is not limited to the above described devices.
- Hereinafter, an electronic device according to various embodiments will be discussed with reference to the accompanying drawings. The term se skilled in the art that the electronic device according to various embodiments of the present meter and the e (e.g., an artificial intelligence electronic device) using an electronic device.
-
FIG. 1 is a diagram illustrating anexample network environment 100 including anelectronic device 101 according to various example embodiments of the present disclosure. - The
electronic device 101 may include abus 110, a processor (e.g., including processing circuitry) 120, amemory 130, an input/output interface (e.g., including input/output circuitry) 150, adisplay 160, and a communication interface (e.g., including communication circuitry) 170. According to some embodiments, at least one of the above described components may be omitted from theelectronic device 101 or another component may be further included in theelectronic device 101. - The
bus 110 may be a circuit connecting the above describedcomponents - The
processor 120 may include various processing circuitry, such as, for example, and without limitation, one or more of the following: a dedicated processor, a central processing unit (CPU), an application processor (AP), and a communication processor (CP). Theprocessor 120 is capable of controlling at least one of other components of theelectronic device 101 and/or processing data or operations related to communication. - The
memory 130 is capable of including volatile memory and/or non-volatile memory. Thememory 130 is capable of storing data or commands related to at least one of other components of theelectronic device 101. According to an embodiment, thememory 130 is capable of storing software and/or aprogram module 140. For example, theprogram module 140 is capable of including akernel 141,middleware 143, application programming interface (API) 145, application programs (or applications) 147, etc. Thekernel 141,middleware 143 or at least part of theAPI 145 may be called an operating system (OS). - The
kernel 141 is capable of controlling or managing system resources (e.g., thebus 110,processor 120,memory 130, etc.) used to execute operations or functions of other programs (e.g., themiddleware 143,API 145, and application programs 147). Thekernel 141 provides an interface capable of allowing themiddleware 143,API 145, andapplication programs 147 to access and control/manage the individual components of theelectronic device 101. - The
middleware 143 is capable of mediating between theAPI 145 orapplication programs 147 and thekernel 141 so that theAPI 145 or theapplication programs 147 can communicate with thekernel 141 and exchange data therewith. Themiddleware 143 is capable of processing one or more task requests received from theapplication programs 147 according to the priority. For example, themiddleware 143 is capable of assigning a priority for use of system resources of the electronic device 101 (e.g., thebus 110,processor 120,memory 130, etc.) to at least one of theapplication programs 147. For example, themiddleware 143 processes one or more task requests according to a priority assigned to at least one application program, thereby performing scheduling or load balancing for the task requests. - The
API 145 refers to an interface configured to allow theapplication programs 147 to control functions provided by thekernel 141 or themiddleware 143. TheAPI 145 is capable of including at least one interface or function (e.g., instructions) for file control, window control, image process, text control, or the like. - The input/
output interface 150 may include various input/output circuitry and is capable of transferring instructions or data, received from the user or external devices, to one or more components of theelectronic device 101. The input/output interface 150 is capable of outputting instructions or data, received from one or more components of theelectronic device 101, to the user or external devices. - The
display 160 is capable of including a Liquid Crystal Display (LCD), a flexible display, a transparent display, a Light Emitting Diode (LED) display, an Organic Light Emitting Diode (OLED) display, Micro-Electro-Mechanical Systems (MEMS) display, an electronic paper display, or the like, but is not limited thereto. Thedisplay 160 is capable of displaying various types of content (e.g., texts, images, videos, icons, symbols, etc.). Thedisplay 160 may also be implemented with a touch screen. In this case, thedisplay 160 is capable of receiving touches, gestures, proximity inputs or hovering inputs, via a stylus pen, or a user's body. - The
communication interface 170 may include various communication circuitry and is capable of establishing communication between theelectronic device 101 and an external device (e.g., a firstexternal device 102, a secondelectronic device 104, or a server 106). For example, thecommunication interface 170 is capable of communicating with an external device (e.g., a secondexternal device 104 or a server 106) connected to thenetwork 162 via wired or wireless communication. - Wireless communication may employ, as cellular communication protocol, at least one of the following: long-term evolution (LTE), LTE Advance (LTE-A), code division multiple access (CDMA), wideband CDMA (WCDMA), universal mobile telecommunications system (UMTS), Wireless Broadband (WiBro), and Global System for Mobile Communication (GSM). Wireless communication may also include short-
range wireless communication 164. Short-range wireless communication 164 may include at least one of the following: wireless fidelity (WiFi), Bluetooth (BT), near field communication (NFC), Magnetic Secure Transmission (MST), and Global Navigation Satellite System (GNSS). - The MST may generate a pulse by transmission data using an electromagnetic signal, and the pulse may generate a magnetic field signal. The
electronic device 101 may transmit the magnetic field signal to the POS terminal, which detects the magnetic field signal by means of the MST reader and converts the magnetic field signal to an electric signal to recover the data. - The GNSS may include at least one of the following: Global Positioning System (GPS), Global Navigation Satellite System (Glonass), Beidou Navigation Satellite System (hereinafter called 'Beidou"), Galileo, the European global satellite-based navigation system, according to GNSS using areas, bandwidths, etc. In the present disclosure, "GPS" and "GNSS" may be used interchangeably. Wired communication may include at least one of the following: universal serial bus (USB), high definition multimedia interface (HDMI), recommended standard 232 (RS-232), and plain old telephone service (POTS). The
network 162 may include at least one of the following: a telecommunications network, e.g., a computer network (e.g., LAN or WAN), the Internet, and a telephone network. - The first and second external
electronic devices electronic device 101, in terms of type. According to an embodiment, theserver 106 is capable of including a group of one or more servers. According to various embodiments, part or all of the operations executed on theelectronic device 101 may be executed on another electronic device or a plurality of other electronic devices (e.g.,electronic devices electronic devices electronic devices electronic device 101. Theelectronic device 101 processes the received result, or further proceeds with additional processes, to provide the requested function or service. To this end, theelectronic device 101 may employ cloud computing, distributed computing, or client-server computing technology. -
FIG. 2 is a block diagram illustrating an exampleelectronic device 201 according to various example embodiments. For example, theelectronic device 201 is capable of including part or all of the components in theelectronic device 101 illustrated inFIG. 1 . Theelectronic device 201 may include one or more processors (e.g., including processing circuitry) 210 (e.g., Application Processors (APs)), a communication module (e.g., including communication circuitry) 220, a Subscriber Identification Module (SIM) 224, amemory 230, asensor module 240, a security module (e.g., including security circuitry) 236, an input device (e.g., including input circuitry) 250, adisplay 260, an interface (e.g., including interface circuitry) 270, anaudio module 280, acamera module 291, apower management module 295, abattery 296, anindicator 297, and amotor 298. - The
processor 210 may include various processing circuitry and is capable of driving, for example, an operating system or an application program to control a plurality of hardware or software components connected to theprocessor 210, processing various data, and performing operations. Theprocessor 210 may be implemented as, for example, a System on Chip (SoC). According to an embodiment, theprocessor 210 may further include a graphic processing unit (GPU) and/or an image signal processor. Theprocessor 210 may also include at least part of the components illustrated inFIG. 2 , e.g., acellular module 221. Theprocessor 210 is capable of loading commands or data received from at least one of other components (e.g., a non-volatile memory) on a volatile memory, processing the loaded commands or data. Theprocessor 210 is capable of storing various data in a non-volatile memory. - The
communication module 220 may include the same or similar configurations as thecommunication interface 170 illustrated inFIG. 1 . For example, thecommunication module 170 may include various communication circuitry, such as, for example, and without limitation, acellular module 221,WiFi module 223, Bluetooth (BT)module 225, GNSS module 226 (e.g., a GPS module, Glonass module, Beidou module or Galileo module),NFC module 227, MSTmodule 228 and Radio Frequency (RF)module 229. - The
cellular module 221 is capable of providing a voice call, a video call, an SMS service, an Internet service, etc., through a communication network, for example. According to an embodiment, thecellular module 221 is capable of identifying and authenticating anelectronic device 201 in a communication network by using a subscriber identification module (SIM) 224 (e.g., a SIM card). According to an embodiment, thecellular module 221 is capable of performing at least part of the functions provided by theprocessor 210. According to an embodiment, thecellular module 221 is also capable of including a communication processor (CP). - Each of the
WiFi module 223, theBT module 225, theGNSS module 226, theNFC module 227, andMST module 228 is capable of including a processor for processing data transmitted or received through the corresponding module. According to embodiments, at least part of thecellular module 221,WiFi module 223,BT module 225,GNSS module 226,NFC module 228, and MST module 228 (e.g., two or more modules) may be included in one integrated chip (IC) or one IC package. - The
RF module 229 is capable of transmission/reception of communication signals, e.g., RF signals. TheRF module 229 is capable of including a transceiver, a power amp module (PAM), a frequency filter, a low noise amplifier (LNA), an antenna, etc. According to another embodiment, at least one of the following modules:cellular module 221,WiFi module 223,BT module 225,GNSS module 226,NFC module 228, andMST module 228 is capable of transmission/reception of RF signals through a separate RF module. - The
SIM module 224 is capable of including a card including a subscriber identification module (SIM) and/or an embodied SIM. TheSIM module 224 is also capable of containing unique identification information, e.g., integrated circuit card identifier (ICCID), or subscriber information, e.g., international mobile subscriber identity (IMSI). - The memory 230 (e.g.,
memory 130 shown inFIG. 1 ) is capable of including a built-inmemory 232 and/or anexternal memory 234. The built-inmemory 232 is capable of including at least one of the following: a volatile memory, e.g., a dynamic RAM (DRAM), a static RAM (SRAM), a synchronous dynamic RAM (SDRAM), etc.; and a non-volatile memory, e.g., a one-time programmable ROM (OTPROM), a programmable ROM (PROM), an erasable and programmable ROM (EPROM), an electrically erasable and programmable ROM (EEPROM), a mask ROM, a flash ROM, a flash memory (e.g., a NAND flash memory, an NOR flash memory, etc.), a hard drive, a solid state drive (SSD), etc. - The
external memory 234 is also capable of including a flash drive, e.g., a compact flash (CF), a secure digital (SD), a micro secure digital (Micro-SD), a mini secure digital (Mini-SD), an extreme digital (xD), a multi-media card (MMC), a memory stick, etc. Theexternal memory 234 is capable of being connected to theelectronic device 201, functionally and/or physically, through various interfaces. - According to various embodiments of the present disclosure, the
security module 236 may include various security circuitry and has a storage space with a security level that is higher than that of thememory 230 and may be implemented as a circuit capable of guaranteeing safe data storage and a secure execution environment. For example, the electronic device may encrypt the data requiring high security (e.g., biometric information, personal information, and credit card information) and store the key for use in thesecurity module 236. Thesecurity module 236 may be implemented as a separate circuit and may include a separate processor. Thesecurity module 236 may be provided in the form of a detachable smart chip or an embedded secure element (eSE) included in a Secure Digital (SD) card or a chip embedded in the electronic device. Thesecurity module 236 may be executed on an Operating System (OS) different from that of the electronic device. For example, it may operate on a Java Card Open Platform (JCOP). - The
sensor module 240 is capable of measuring/detecting a physical quantity or an operation state of theelectronic device 201, and converting the measured or detected information into an electronic signal. Thesensor module 240 is capable of including at least one of the following: agesture sensor 240A, agyro sensor 240B, an atmospheric pressure (e.g., barometer)sensor 240C, amagnetic sensor 240D, anacceleration sensor 240E, agrip sensor 240F, aproximity sensor 240G, acolor sensor 240H (e.g., a red, green and blue (RGB) sensor), a biometric sensor 240I, a temperature/humidity sensor 240J, anilluminance sensor 240K, and a ultraviolet (UV)sensor 240M. Additionally or alternatively, thesensor module 240 is capable of further including an E-nose sensor, an electromyography (EMG) sensor, an electroencephalogram (EEG) sensor, an electrocardiogram (ECG) sensor, an infrared (IR) sensor, an iris sensor and/or a fingerprint sensor. Thesensor module 240 is capable of further including a control circuit for controlling one or more sensors included therein. In embodiments, theelectronic device 201 is capable of including a processor, configured as part of theprocessor 210 or a separate component, for controlling thesensor module 240. In this case, while theprocessor 210 is operating in sleep mode, the processor is capable of controlling thesensor module 240. - The
input device 250 may include various input circuitry, such as, for example, and without limitation, atouch panel 252, a (digital)pen sensor 254, a key 256, or anultrasonic input unit 258. Thetouch panel 252 may be implemented with at least one of the following: a capacitive touch system, a resistive touch system, an infrared touch system, and an ultrasonic touch system. Thetouch panel 252 may further include a control circuit. Thetouch panel 252 may also further include a tactile layer to provide a tactile response to the user. - The (digital)
pen sensor 254 may be implemented with a part of the touch panel or with a separate recognition sheet. The key 256 may include a physical button, an optical key, or a keypad. Theultrasonic input unit 258 is capable of detecting ultrasonic waves, created in an input tool, through amicrophone 288, and identifying data corresponding to the detected ultrasonic waves. - The display 260 (e.g., the
display 160 shown inFIG. 1 ) is capable of including apanel 262, ahologram unit 264, or aprojector 266. Thepanel 262 may include the same or similar configurations as thedisplay 160 illustrated inFIG. 1 . Thepanel 262 may be implemented to be flexible, transparent, or wearable. Thepanel 262 may also be incorporated into one module together with thetouch panel 252. Thehologram unit 264 is capable of showing a stereoscopic image in the air by using light interference. Theprojector 266 is capable of displaying an image by projecting light onto a screen. The screen may be located inside or outside of theelectronic device 201. According to an embodiment, thedisplay 260 may further include a control circuit for controlling thepanel 262, thehologram unit 264, or theprojector 266. - The
interface 270 may include various interface circuitry, such as, for example, and without limitation, a high-definition multimedia interface (HDMI) 272, a universal serial bus (USB) 274, anoptical interface 276, or a D-subminiature (D-sub) 278. Theinterface 270 may be included in thecommunication interface 170 shown inFIG. 1 . Additionally or alternatively, theinterface 270 is capable of including a mobile high-definition link (MHL) interface, a secure digital (SD) card/multimedia card (MMC) interface, or an infrared data association (IrDA) standard interface. - The
audio module 280 is capable of providing bidirectional conversion between a sound and an electronic signal. At least part of the components in theaudio module 280 may be included in the input/output interface 150 shown inFIG. 1 . Theaudio module 280 is capable of processing sound information input or output through aspeaker 282, areceiver 284,earphones 286,microphone 288, etc. - The
camera module 291 refers to a device capable of taking both still and moving images. According to an embodiment, thecamera module 291 is capable of including one or more image sensors (e.g., a front image sensor or a rear image sensor), a lens, an image signal processor (ISP), a flash (e.g., an LED or xenon lamp), etc. - The
power management module 295 is capable of managing power of theelectronic device 201. According to an embodiment, thepower management module 295 is capable of including a power management integrated circuit (PMIC), a charger IC, or a battery or fuel gauge. The PMIC may employ wired charging and/or wireless charging methods. Examples of the wireless charging method are magnetic resonance charging, magnetic induction charging, and electromagnetic charging. To this end, the PIMC may further include an additional circuit for wireless charging, such as a coil loop, a resonance circuit, a rectifier, etc. The battery gauge is capable of measuring the residual capacity, charge in voltage, current, or temperature of thebattery 296. Thebattery 296 takes the form of either a rechargeable battery or a solar battery. - The
indicator 297 is capable of displaying a specific status of theelectronic device 201 or a part thereof (e.g., the processor 210), e.g., a boot-up status, a message status, a charging status, etc. Themotor 298 is capable of converting an electrical signal into mechanical vibrations, such as, a vibration effect, a haptic effect, etc. Although not shown, theelectronic device 201 is capable of further including a processing unit (e.g., GPU) for supporting a mobile TV. The processing unit for supporting a mobile TV is capable of processing media data pursuant to standards, e.g., digital multimedia broadcasting (DMB), digital video broadcasting (DVB), or mediaFloTM, etc. -
FIG. 3 is a block diagram illustrating an example programming module according to various embodiments. According to an embodiment, the program module 310 (e.g.,program module 140 illustrated inFIG. 1 ) is capable of including an operation system (OS) for controlling resources related to the electronic device (e.g., electronic device 101) and/or various applications (e.g.,application programs 147 illustrated inFIG. 1 ) running on the OS. The OS may be Android, iOS, Windows, Symbian, Tizen, Bada, etc. - The
program module 310 may include akernel 320,middleware 330, application programming interface (API) 360 and/orapplications 370. At least part of theprogram module 310 may be preloaded on the electronic device or downloaded from a server (e.g., anelectronic device server 106, etc.). - The kernel 320 (for example, kernel 141) may include a
system resource manager 321 and/or adevice driver 323. Thesystem resource manager 321 may include, for example, a process manager, a memory manager, and a file system manager. Thesystem resource manager 321 may perform a system resource control, allocation, and recall. Thedevice driver 323 may include, for example, a display driver, a camera driver, a Bluetooth driver, a shared memory driver, a USB driver, a keypad driver, a WiFi driver, and an audio driver. Further, according to an embodiment, thedevice driver 323 may include an Inter-Process Communication (IPC) driver. - The
middleware 330 may provide a function required in common by theapplications 370. Further, themiddleware 330 may provide a function through theAPI 360 to allow theapplications 370 to efficiently use limited system resources within the electronic device. According to an embodiment, the middleware 330 (for example, the middleware 143) may include at least one of aruntime library 335, anapplication manager 341, awindow manager 342, amultimedia manager 343, aresource manager 344, apower manager 345, adatabase manager 346, apackage manager 347, aconnection manager 348, anotification manager 349, alocation manager 350, agraphic manager 351, and asecurity manager 352. - The
runtime library 335 may include, for example, a library module used by a complier to add a new function through a programming language while theapplications 370 are executed. According to an embodiment, theruntime library 335 executes input and output, management of a memory, a function associated with an arithmetic function and the like. - The
application manager 341 may manage, for example, a life cycle of at least one of theapplications 370. Thewindow manager 342 may manage GUI resources used on the screen. Themultimedia manager 343 may detect a format required for reproducing various media files and perform an encoding or a decoding of a media file by using a codec suitable for the corresponding format. Theresource manager 344 manages resources such as a source code, a memory, or a storage space of at least one of theapplications 370. - The
power manager 345 may operate together with a Basic Input/Output System (BIOS) to manage a battery or power and provides power information required for the operation. Thedatabase manager 346 may manage generation, search, and change of a database to be used by at least one of theapplications 370. Thepackage manager 347 may manage an installation or an update of an application distributed in a form of a package file. - The
connection manager 348 may manage, for example, a wireless connection such as WiFi or Bluetooth. Thenotification manager 349 may display or notify a user of an event such as an arrival message, an appointment, a proximity alarm or the like, in a manner that does not disturb the user. Thelocation manager 350 may manage location information of the electronic device. Thegraphic manager 351 may manage a graphic effect provided to the user or a user interface related to the graphic effect. Thesecurity manager 352 provides a general security function required for a system security or a user authentication. According to an embodiment, when the electronic device (for example, the electronic device 101) has a call function, themiddleware 330 may further include a telephony manager for managing a voice of the electronic device or a video call function. - The
middleware 330 is capable of including modules configuring various combinations of functions of the above described components. Themiddleware 330 is capable of providing modules specialized according to types of operation systems to provide distinct functions. Themiddleware 330 may be adaptively configured in such a way as to remove part of the existing components or to include new components. - The API 360 (for example, API 145) may be a set of API programming functions, and may be provided with a different configuration according to an operating system. For example, in Android or iOS, a single API set may be provided for each platform. In Tizen, two or more API sets may be provided.
- The applications 370 (e.g., application programs 147) may include one or more applications for performing various functions, e.g.,
home 371,dialer 372, SMS/MMS 373, instant message (IM) 374,browser 375,camera 376,alarm 377, contact 378,voice dial 379,email 380,calendar 381,media player 382,album 383,clock 384, and may include various other applications not shown inFIG. 3 , such as, for example, and without limitation, health care (e.g., an application for measuring amount of exercise, blood sugar level, etc.), and environment information (e.g., an application for providing atmospheric pressure, humidity, temperature, etc.). - According to an embodiment, the
applications 370 are capable of including an application for supporting information exchange between an electronic device (e.g., electronic device 101) and an external device (e.g.,electronic devices 102 and 104), which is hereafter called 'information exchange application'). The information exchange application is capable of including a notification relay application for relaying specific information to external devices or a device management application for managing external devices. - For example, the notification relay application is capable of including a function for relaying notification information, created in other applications of the electronic device (e.g., SMS/MMS application, email application, health care application, environment information application, etc.) to external devices (e.g.,
electronic devices 102 and 104). In addition, the notification relay application is capable of receiving notification information from external devices to provide the received information to the user. - The device management application is capable of managing (e.g., installing, removing or updating) at least one function of an external device (e.g.,
electronic devices 102 and 104) communicating with the electronic device. Examples of the function are a function of turning-on/off the external device or part of the external device, a function of controlling the brightness (or resolution) of the display, applications running on the external device, services provided by the external device, etc. Examples of the services are a call service, messaging service, etc. - According to an embodiment, the
applications 370 are capable of including an application (e.g., a health care application of a mobile medical device, etc.) specified attributes of an external device (e.g.,electronic devices 102 and 104). According to an embodiment, theapplications 370 are capable of including applications received from an external device (e.g., aserver 106,electronic devices 102 and 104). According to an embodiment, theapplications 370 are capable of including a preloaded application or third party applications that can be downloaded from a server. It should be understood that the components of theprogram module 310 may be called different names according to types of operating systems. - According to various embodiments, at least part of the
program module 310 can be implemented with software, firmware, hardware, or any combination of two or more of them. At least part of theprogram module 310 can be implemented (e.g., executed) by a processor (e.g., processor 210). At least part of theprograming module 310 may include modules, programs, routines, sets of instructions or processes, etc., in order to perform one or more functions. - The term "module" used in this disclosure may refer, for example, to a certain unit that includes one of hardware, software and firmware or any combination thereof. The module may be interchangeably used with unit, logic, logical block, component, or circuit, for example. The module may be the minimum unit, or part thereof, which performs one or more particular functions. The module may be formed mechanically or electronically. For example, the module disclosed herein may include at least one of a dedicated processor, a CPU, an ASIC (Application-Specific Integrated Circuit) chip, FPGAs (Field-Programmable Gate Arrays), and programmable-logic device, which have been known or are to be developed.
-
FIG. 4 is a diagram illustrating an example system for a payment operation of an electronic device according to various example embodiments of the present disclosure. - According to an embodiment of the present disclosure, the
electronic device 410 may be equivalent to theelectronic device 101 ofFIG. 1 or theelectronic device 201 ofFIG. 2 . According to an embodiment, theelectronic device 410 may include at least one of the components of theelectronic device 101 ofFIG. 1 and theelectronic device 201 ofFIG. 2 . - According to an embodiment of the present disclosure, the
electronic device 410 may include a first communication module (e.g., short range communication module such as a Near Field Communication (NFC) module), and a second communication module (e.g., MST module). - According to various embodiments of the present disclosure, the
electronic device 410 may transmit the first payment information (e.g., token and token cryptogram) to thePOS terminal 420 by means of the NFC module. If an NFC signal is received from an external device (e.g., POS terminal 420), theelectronic device 410 may transmit the first payment information to the external device. The POS terminal may be a terminal capable of short range communication to receive the magnetic field signal. For example, the POS terminal may be an electronic cash register, a tag reader, or a credit card reader. - According to various embodiments of the present disclosure, the
electronic device 410 may transmit the second payment information (e.g., token and token cryptogram) to thePOS terminal 420 by means of the MST module. For example, theelectronic device 410 may transmit to the magnetic signal reader of thePOS terminal 420 the payment information in a track data format. For example, the track data format may include an authentication code generated with a specific time (e.g., payment time and preconfigured time). - According to various embodiments of the present disclosure, the
POS terminal 420 may forward the payment information received from theelectronic device 410 to the firstfinancial server 430. - According to various embodiments of the present disclosure, the first
financial server 430 may perform authentication on the payment information received from thePOS terminal 420. For example, the firstfinancial server 430 may check time information or the authentication code created with the time information that is included in the second payment information. If the time associated with the checked authentication code is greater than a predetermined time, the firstfinancial server 430 may transmit an authentication failure result value to thePOS terminal 420 and/or the secondfinancial server 440. - According to various embodiments of the present disclosure, the first
financial server 430 may request to the secondfinancial server 440 for authentication on the payment information. - According to various embodiments of the present disclosure, the second
financial server 440 may transmit the payment information authentication result received from the firstfinancial server 430 to thePOS terminal 420. If the authentication fails, thePOS terminal 420 may print out a transaction completion receipt or transmit authentication failure data to theelectronic device 410, which displays a transaction failure message based on the received data. -
FIG. 5 is a diagram illustrating an example payment transaction system according to various example embodiments of the present disclosure. - The payment transaction system of the present disclosure includes an
electronic device 500, apayment server 510, and afinancial server 530. - According to various embodiments of the present disclosure, the
electronic device 500 may be equivalent of theelectronic device 101 ofFIG. 1 and theelectronic device 201 ofFIG. 2 . According to an embodiment, theelectronic device 500 may include at least one of the components of theelectronic device 101 ofFIG. 1 and theelectronic device 201 ofFIG. 2 . - According to an embodiment of the present disclosure, the
electronic device 500 may include a first communication module (e.g., short range communication module such as an NFC module) and a second communication module (e.g., MST module). - According to an embodiment of the present disclosure, the
electronic device 500 may be provided with a payment application providing a payment-related user interface. For example, theelectronic device 500 may store a payment application providing a wallet user interface, a credit card registration user interface, a payment user interface, and a transaction user interface. For example, theelectronic device 500 may provide an Optical Character Reader/Recognition (OCR) or external input-based card registration user interface. For example, theelectronic device 500 may store an identification and verification-based (ID&V-based) user authentication interface. - According to various embodiments of the present disclosure, the
electronic device 500 may execute the payment application for performing a payment transaction. For example, theelectronic device 500 may execute a Simple pay, a Quick pay, or a designated application to provide the user with a payment service. According to an embodiment of the present disclosure, theelectronic device 500 may execute a payment function to provide the payment function-related information by means of the payment application. - According to various embodiments of the present disclosure, the
electronic device 500 may store information on a credit card company. For example, theelectronic device 500 may store a credit card company Software Development Kit (SDK). - According to various embodiments of the present disclosure, the
payment server 510 may transmit/receive and process payment related information. According to an embodiment of the present disclosure, thepayment server 510 may manage the information on the credit card associated with a service account or a user account. According to an embodiment of the present disclosure, thepayment server 510 may include a module for managing user accounts. - According to various embodiments of the present disclosure, the
payment server 510 may provide an interface for processing payment information. For example, thepayment server 510 may issue, delete, or activate payment information. According to an embodiment, thepayment server 510 may manage a token operation period including creation, modification, and deletion functions. According to an embodiment of the present disclosure, thepayment server 510 may perform token provisioning, Identification and Verification (ID&V), replenishment, and Life Cycle management. - According to various embodiments of the present disclosure, the
financial server 530 may issue a credit card. For example, thefinancial server 530 may belong to a card issuance bank. According to an embodiment, thefinancial server 530 may generate information for use by the user in payment. According to an embodiment, thefinancial server 530 may communicate payment-related information with thepayment server 510. - Although the
payment server 510 is depicted as a single block for convenience of explanation, it may include a plurality of servers that are responsible for separate functions such as token configuration, user identification, and token update. For example, it may be possible to implement a plurality of token service servers to share token data. - According to an embodiment of the present disclosure, the created payment information (e.g., token) may be stored in the security module.
-
FIG. 6 is a block diagram illustrating an example electronic device according to various example embodiments of the present disclosure. - According to various embodiments of the present disclosure, the
electronic device 600 may include a processor (e.g., including processing circuitry) 610, a first communication module (e.g., including first communication circuitry) 620, a second communication module (e.g., including second communication circuitry) 630, and asecurity module 640. According to an embodiment, theelectronic device 600 may be equivalent to theelectronic device 101 ofFIG. 1 or theelectronic device 201 ofFIG. 2 . According to an embodiment of the present disclosure, theelectronic device 600 may include at least one (e.g.,sensor module 240 and display module 260) of the components of theelectronic device 101 ofFIG. 1 and theelectronic device 201 ofFIG. 2 . - According to various embodiments of the present disclosure, the
processor 610 may be equivalent to theprocessor 120 ofFIG. 1 or theapplication processor 210 ofFIG. 2 . - According to an embodiment of the present disclosure, the
processor 610 may perform payment in a Trusted Execution Environment (TEE). The TEE is a secure environment capable of storing data with relatively high security levels and performing related operations. The TEE is located in theprocessor 610 of theelectronic device 600 and operates based on a trusted hardware structure determined at the manufacturing state of theelectronic device 600. Typically, when theprocessor 610 or memory (not shown) is split into a normal region and a security region, the TEE is located in the security region. The TEE may be configured such that a software or hardware component requiring security operates in the security region. According to an embodiment, theelectronic device 600 may manage the TEE through physical hardware modification or logical software modification. - According to various embodiments of the present disclosure, the first and
second communication modules processor 610. According to an embodiment, the first andsecond communication modules security module 640. - According to various embodiments of the present disclosure, the
electronic device 600 may include aprocessor 610, afirst communication module 620 which may include various communication circuitry for transmitting/receiving the first payment information, asecond communication module 630 which may include various communication circuitry for transmitting the second payment information, and asecurity module 640. Theprocessor 610 may be functionally connected to the first andsecond communication modules first communication module 620 may be the short-range communication (NFC) module, and thesecond communication module 630 may be the MST module. For example, thefirst communication module 620 may include theNFC module 225 ofFIG. 2 , and thesecond communication module 630 may include theMST module 226 ofFIG. 2 . - According to various embodiments of the present disclosure, the
security module 640 may be equivalent to thesecurity module 236 ofFIG. 2 . The memory (not shown) is a module having a storage space with a relatively high security level and thus may be implemented as a circuit guaranteeing secure data storage and a protected execution environment. For example, theelectronic device 600 may encrypt data requiring high security (e.g., biometric information, personal information, and credit card information) and store the key used in data encryption in thesecurity module 640. - According to various embodiments of the present disclosure, the
security module 640 may store transaction or authentication information. According to an embodiment, thesecurity module 640 may transmit the transaction or authentication information to the first andsecond communication modules security module 640 may store security-requiring information such as an account number, a token, and an encryption key. The account number may be credit card information such as a unique number of a credit card. The token may be used as the information in place of the unique number of the credit card. The account number and token may be used in an electronic payment, and the encryption key may be used for generating encryption data for payment authentication. The token and account number may be transmitted along with the encryption data. - According to various embodiments of the present disclosure, access to the payment information (e.g., first payment information and second payment information) by the
processor 610 may be restricted. According to an embodiment, the payment information may be stored in thesecurity module 640, to which at least one of the first andsecond communication modules security module 640 may store the first payment information corresponding to thefirst communication module 620 and the second payment information corresponding to thesecond communication module 630. In an example case that theelectronic device 600 performs payment with the first payment information, thesecurity module 640 may permit access of theprocessor 610 through thefirst communication module 620 and may not permit access through thesecond communication module 630. In another example case that theelectronic device 600 performs payment with the second payment information, thesecurity module 640 may permit access of theprocessor 610 through thesecond communication module 630 and may not permit access through thefirst communication module 620. - According to various embodiments of the present disclosure, the first payment information and the second payment information have different encrypted tokens for the same account information. For example, the encrypted token corresponding to the first payment information of a bank A account is "AAAA" while the encrypted token corresponding to the second payment information of the bank A account is "BBBB". The payment information may include a token containing at least one of the information on the account associated with the payment request and identity information (e.g., Integrated Circuit Card Identifier (ICCID) and International Mobile Subscriber Identity (IMSI)).
- According to various embodiments of the present disclosure, the first communication module (e.g., NFC module) may operate in one of three communication modes: card emulation mode, reader/writer mode, and peer-to-peer (P2P) mode. In the card emulation mode, the authentication information stored in the
security module 640 may be transmitted to an external reader. In the reader/writer mode, external tag information is acquired. The P2P mode supports data exchange between devices. - According to various embodiments of the present disclosure, the
processor 610 may adjust the strength of the magnetic field signal transmitted from thesecond communication module 630 to the POS terminal and select, when there is a plurality of coil antennas, one of the coil antennas. Thesecond communication module 630 may receive a pulse signal carrying the payment information transmitted by theprocessor 610 or thesecurity module 640. According to an embodiment, thesecond communication module 630 may receive data in the magnetic stripe format with the token and payment information on one of track 1, 2, and 3 of a magnetic card. For example, track 1 carries bank account information, track 2 carries a credit card number, issuance date, and validity period, and track 3 carries affiliated company information. - According to various embodiments of the present disclosure, the
processor 610 may receive a payment request signal. For example, theprocessor 610 may receive a user input for payment request or an NFC communication request signal. - According to various embodiments of the present disclosure, the
processor 610 may select one of the first andsecond communication modules processor 610 may be configured to transmit the payment information (e.g., first payment information and second payment information) corresponding to the selected communication module to an external device (e.g., POS terminal). For example, if thefirst communication module 620 is selected, theprocessor 610 may transmit the first payment information to the external device. If thesecond communication module 630 is selected, theprocessor 610 may transmit the second payment information to the external device. - According to various embodiments of the present disclosure, if the
electronic device 600 approaches to within a predetermined distance of the external device (POS terminal), theprocessor 610 may select the first communication module (e.g., NFC module 620) upon receipt of the payment request signal from the external device. For example, if theelectronic device 600 approaches or contacts the reader of the POS terminal, thefirst communication module 620 may receive an authentication information request from the POS terminal. According to an embodiment, thefirst communication module 620 may transmit the first payment information to the POS terminal. - According to various embodiments of the present disclosure, the
processor 610 may select the second communication module (e.g., MST module 630) upon receipt of a user input. According to an embodiment, thesecond communication module 630 may transmit the second payment information to the POS terminal according to the transmission command from theprocessor 610. According to various embodiments, thesecond communication module 630 may be replaced with a module of outputting a barcode, a QR code, or audio data. - According to various embodiments of the present disclosure, if the
second communication module 630 is selected, thesecurity module 640 may transmit the second payment information to thesecond communication module 630 through theprocessor 610. For example, the payment information generated by thesecurity module 640 may be security-reinforced through recombination, new encryption, or addition of security data in the TEE of theprocessor 610. The payment information added and modified by theprocessor 610 may be transmitted to the MST module. - According to various embodiments of the present disclosure, the
security module 640 may transmit the second payment information to thesecond communication module 630 via thefirst communication module 620. For example, thesecurity module 640 may transmit the payment information to the MST module via the NFC module for MST payment. - According to various embodiments of the present disclosure, the
security module 640 may transmit the second payment information to thesecond communication module 630 directly for MST payment. - According to various embodiments of the present disclosure, if the payment request signal is received, the
processor 610 may transmit a token request signal to a second external device (e.g., payment server). According to an embodiment, theprocessor 610 may receive a token from the second external device (e.g., token issuance server and payment server) in response to the token request signal. - According to various embodiments of the present disclosure, if the second communication module (e.g., MST module 630) is selected, the
processor 610 may transmit the payment information stored in thesecurity module 640 to the external device (e.g., POS terminal). According to an embodiment, thesecurity module 640 may transmit the token stored in thesecurity module 640 to thesecond communication module 630. According to various embodiments, the token is digital data substituting for a credit card and received from a server of the credit card company when registering the credit card with theelectronic device 600. The token may be received from the external device periodically for update and stored in the memory or thesecurity module 640. - According to various embodiments of the present disclosure, the
processor 610 may be configured to delete the payment information (e.g., to discard the token) when a payment completion signal is received from the external device. - According to various embodiments of the present disclosure, the
processor 610 may receive biometric information and, if the received biometric information matches previously stored biometric information, transmit the payment information to the external device. According to an embodiment, theelectronic device 600 may further include a sensor module (not shown). - According to an embodiment, the
electronic device 600 may acquire biometric information of the user (e.g., fingerprint, iris, facial image, blood pressure, voice, and heart rate) by means of the sensor module (e.g., camera and fingerprint sensor). - According to various embodiments of the present disclosure, the
electronic device 600 may perform an authentication process to acquire security data (e.g., token) from a secure memory (e.g.,security module 640 and memory accessible in a secure environment) which is functionally connected to theelectronic device 600 in attempting payment using the card information registered with theelectronic device 600. According to an embodiment, theelectronic device 600 may acquire biometric information (e.g., fingerprint and iris) of the user for user authentication. - According to various embodiments of the present disclosure, the
electronic device 600 may perform payment using the credit card information and biometric information registered with theelectronic device 600. According to an embodiment, if the biometric information authentication succeeds, theelectronic device 600 can make a payment. According to an embodiment, if the biometric information authentication fails, theelectronic device 600 cannot make a payment. - According to various embodiments of the present disclosure, if the credit card information does not match, the
electronic device 600 may request for other biometric information. For example, theelectronic device 600 may request for right iris information in association with the first card information and right thumb fingerprint information in association with the second card information. - According to various embodiments of the present disclosure, the
electronic device 600 may include thefirst communication module 620 for transmitting/receiving the first payment information, thesecond communication module 630 for transmitting the second payment information, and theprocessor 610 which is functionally connected to the first and second communication modules. - According to an embodiment of the present disclosure, the
first communication module 620 may be the short-range communication module (NFC module) and thesecond communication module 630 may be the MST module. - According to an embodiment of the present disclosure, the
processor 610 may be configured to select one of the communication modules upon detection of a user input. Thesecurity module 640 may generate the payment information to the selected communication module. When thesecond communication module 630 is selected, thesecurity module 640 may be configured to transmit the second payment information to thesecond communication module 630 via theprocessor 610 or via thefirst communication module 620 or directly. - The payment information may include the token containing at least one of the information on the account associated with the payment request and identity information.
- According to various embodiments of the present disclosure, the
processor 610 may be configured to transmit a token request signal to the second external device and receive the token from the second external device when a payment request signal is received. - The first payment information and the second payment information may have different encrypted tokens for the same account information.
- According to an embodiment of the present disclosure, the
processor 610 may be configured to delete the payment information upon receipt of a payment completion signal from the external device. - According to an embodiment, the
processor 610 may be configured to receive biometric information and transmit the payment information to the external device when the received biometric information matches previously stored biometric information. -
FIG. 7 is a flowchart illustrating an example payment method of an electronic device according to various embodiments of the present disclosure. - The
electronic device 600 may receive a payment request signal atstep 710. For example, theelectronic device 600 may receive a user input for payment request or detect an NFC signal while approaching an external device (e.g., POS terminal). According to an embodiment, theelectronic device 600 may receive an activation signal from the external device (e.g., POS terminal). - The
electronic device 600 may select one of thefirst communication module 620 for transmitting/receiving the first payment information and thesecond communication module 630 for transmitting the second payment information based on the received signal atstep 720. Thefirst communication module 620 may be the short-range communication module (NFC module), and thesecond communication module 630 may be the MST module. - According to an embodiment of the present disclosure, the payment information (e.g., first payment information and second payment information) may include a token containing at least one of the information on the account associated with the payment request and the identity information. According to an embodiment, the
security module 640 may transmit the payment information to the selected communication module. - The token may be a value substituting for the Primary Account Number (PAN) as the credit card information. According to an embodiment, the token may be used for generating a Bank Identity Number (BIN). According to an embodiment, the token may be encrypted by an external server and decrypted by the
electronic device 600. According to an embodiment, the first payment information and the second payment information may have different encrypted tokens for the same account information. - According to an embodiment of the present disclosure, the payment information may be stored in the
security module 640, which limits access by theprocessor 610 of theelectronic device 600 but allows access by one of the first andsecond communication modules - According to an embodiment of the present disclosure, if the
electronic device 600 approaches to within a predetermined distance of the external device to receive a payment request signal, it may select thefirst communication module 620. According to an embodiment, theelectronic device 600 may select thesecond communication module 630 upon detection of a user input. - The
electronic device 600 may transmit payment information corresponding to the selected communication module to the external device atstep 730. According to an embodiment of the present disclosure, if thesecond communication module 630 is selected, theelectronic device 600 may transmit the payment information stored in thesecurity module 640 to the external device. - According to various embodiments of the present disclosure, if the
second communication module 630 is selected, thesecurity module 640 may transmit the second payment information to thesecond communication module 630 via theprocessor 610. According to an embodiment, thesecurity module 640 may transmit the second payment information to thesecond communication module 630 via thefirst communication module 620. According to an embodiment, thesecurity module 640 may transmit the second payment information to thesecond communication module 630 directly. - According to various embodiments of the present disclosure, if the payment request signal is received, the
electronic device 600 may transmit a token request signal to a second external device (e.g., payment server and token issuance server). According to an embodiment, theelectronic device 600 may receive the token from the second external device (e.g., payment server) in response to the token request signal. - According to various embodiments of the present disclosure, if a payment completion signal is received from the external device, the
electronic device 600 may delete (or discard) the payment information. For example, if a payment accept signal is received from the external device (e.g., POS terminal), theelectronic device 600 may discard the token used in the payment transaction. - According to various embodiments, the
electronic device 600 may receive biometric information. According to an embodiment, if the received biometric information matches previously stored biometric information, theelectronic device 600 may transmit the payment information to the external device. - According to various embodiments of the present disclosure, the payment transaction method of the
electronic device 600 may include receiving a payment request signal, selecting one of thefirst communication module 620 for transmitting/receiving the first payment information and thesecond communication module 630 for transmitting the second payment information, and transmitting the payment information corresponding to the selected communication module to an external device. Thefirst communication module 620 may be the short-range communication module (NFC module), and thesecond communication module 630 may be the MST module. - The communication module selection is made upon detection of a user input. The security module may generate the payment information to the selected communication module.
- The payment transaction method of the
electronic device 600 may further include transmitting, when the second communication module is selected, the second payment information generated by the security module to the second communication module via one of the processor and the first communication module or directly. - The payment information may include a token containing at least one of account information associated with the payment information and identity information. According to an embodiment, the payment transaction method of the
electronic device 600 may further include transmitting, when the payment request signal is received, a token request signal and receiving the token from the second external device in response to the token request signal. - The first payment information and the second payment information may have different encrypted tokens for the same account information. According to an embodiment, the payment transaction method of the
electronic device 600 may include deleting the payment information when a payment completion signal is received from the external device. The payment transaction method of theelectronic device 600 may include receiving biometric information and transmitting, when the received biometric information matches previously stored biometric information, the payment information to the external device. - As described above, the payment transaction method and device of the present disclosure is capable of supporting mobile payment service based on various communication protocols. Also, the payment transaction method and apparatus of the present disclosure is capable of improving the security of a mobile payment environment using an enhanced security region.
- At least part of the device (e.g., modules or functions thereof) or method (e.g., operations) according to various embodiments may be implemented as commands stored, e.g., in the form of program module, in a computer-readable storage medium. In case commands are executed by at least one processor, this processor may perform a particular function corresponding to the commands. The computer-readable storage medium may be, for example, the memory. At least some of the program module may be implemented (e.g., executed) by, for example, the processor. At least some of the program module may include, for example, a module, a program, a routine, a set of instructions, and/or a process for performing one or more functions.
- The non-transitory computer-readable recording medium may include magnetic media such as a hard disk, a floppy disk, and a magnetic tape, optical media such as a compact disc read only memory (CD-ROM) and a digital versatile disc (DVD), magneto-optical media such as a floptical disk, and hardware devices specially configured to store and perform a program instruction. In addition, the program instructions may include high class language codes, which can be executed in a computer by using an interpreter, as well as machine codes made by a compiler. The aforementioned hardware device may be configured to operate as one or more software modules in order to perform the operation of various embodiments of this disclosure, and vice versa.
- A module or programming module according to various embodiments may include or exclude at least one of the above-discussed elements or further include any other element. The operations performed by the module, programming module or any other element according to various embodiments may be executed sequentially, in parallel, repeatedly, or by a heuristic method. Additionally, some operations may be executed in different orders or omitted, or any other operation may be added.
- While the present disclosure has been illustrated and described with reference to various example embodiments thereof, it will be understood by those skilled in the art that various changes in form and details may be made therein without departing from the spirit and scope of the disclosure as defined by the appended claims.
Claims (15)
- An electronic device, comprising:a first communication module comprising first communication circuitry configured to transmit and receive first payment information;a second communication module comprising second communication circuitry configured to transmit second payment information; anda processor functionally connected to the first and second communication modules,wherein the processor is configured to receive a payment request signal, to select one of the first and second communication modules based on the received payment request signal, and to transmit payment information corresponding to the selected communication module to an external device.
- The electronic device of claim 1, wherein the first communication module comprises a Near Field Communication (NFC) module including NFC circuitry, and the second communication module comprises a Magnetic Secure Transmission (MST) module including MST circuitry.
- The electronic device of claim 1, wherein the processor is configured to select the communication module upon detection of an input.
- The electronic device of claim 1, wherein the payment information is generated by a security module comprising communication circuitry and is configured to be transmitted to the selected communication module based on a signal received from the processor, and
comprises a token including at least one of: account information associated with the payment request and identity information. - The electronic device of claim 4, wherein the security module is configured to transmit, when the second communication module is selected, the second payment information to the second communication module via at least one of: the processor, the first communication module, or directly.
- The electronic device of claim 1, wherein the processor is configured to transmit, when the payment request signal is received, a token request signal to a second external device and to receive a token from the second external device in response to the token request signal.
- The electronic device of claim 1, wherein the first payment information and the second payment information comprise different encrypted tokens corresponding to same account information.
- The electronic device of claim 1, wherein the processor is configured to delete the payment information when a payment completion signal is received from the external device.
- The electronic device of claim 1, wherein the processor is configured to receive biometric information and to transmit, when the received biometric information matches previously stored biometric information, the payment information to the external device.
- A payment transaction method of an electronic device, the method comprising:receiving a payment request signal;selecting one of a first communication module and a second communication module based on the received signal; andtransmitting payment information corresponding to the selected communication module to an external device.
- The method of claim 10, wherein selecting one of a first communication module and a second communication module comprises selecting the communication module upon detection of an input.
- The method of claim 10, comprising transmitting, when the second communication module is selected, the second payment information to the second communication module via at least one of: the processor, the first communication module, or directly.
- The method of claim 10, further comprising:transmitting, when the payment request signal is received, a token request signal to a second external device; andreceiving a token from the second external device in response to receiving the token request signal.
- The method of claim 10, further comprising deleting, when a payment completion signal is received from the external device, the payment information.
- The method of claim 10, wherein transmitting the payment information comprises:receiving biometric information; andtransmitting, when the received biometric information matches previously stored biometric information, the payment information to the external device.
Applications Claiming Priority (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
KR1020160032646A KR102646892B1 (en) | 2016-03-18 | 2016-03-18 | Method for performing payment and electronic device supporting the same |
Publications (1)
Publication Number | Publication Date |
---|---|
EP3220339A1 true EP3220339A1 (en) | 2017-09-20 |
Family
ID=58387672
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
EP17161453.0A Withdrawn EP3220339A1 (en) | 2016-03-18 | 2017-03-16 | Payment transaction method and electronic device therefor |
Country Status (4)
Country | Link |
---|---|
US (1) | US10997582B2 (en) |
EP (1) | EP3220339A1 (en) |
KR (1) | KR102646892B1 (en) |
CN (1) | CN107203878B (en) |
Cited By (1)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
CN114723434A (en) * | 2021-01-05 | 2022-07-08 | Oppo广东移动通信有限公司 | Payment control method, electronic equipment and storage medium |
Families Citing this family (7)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
KR20180063538A (en) * | 2016-12-02 | 2018-06-12 | 삼성전자주식회사 | Method for providing point of interest and electronic device supporting the same |
US11455622B2 (en) * | 2017-11-09 | 2022-09-27 | Mastercard International Incorporated | Computer system and computer-implemented method for authenticating a contactless payment transaction |
TWI711989B (en) * | 2018-11-14 | 2020-12-01 | 巨擘科技股份有限公司 | Wristwatch and method for wristwate for improving security in electronic payment |
CN110262710A (en) * | 2019-05-24 | 2019-09-20 | 阿里巴巴集团控股有限公司 | A kind of display methods of interactive interface, device and equipment |
US10789519B1 (en) | 2019-05-24 | 2020-09-29 | Alibaba Group Holding Limited | Scanning interface display |
CN111769951A (en) * | 2020-06-28 | 2020-10-13 | 成都平凡谷科技有限公司 | Data parallel acquisition method, system and terminal based on USB-HID (Universal Serial bus-high intensity discharge) equipment |
WO2023144716A1 (en) * | 2022-01-26 | 2023-08-03 | Jio Platforms Limited | System and method for enabling short distance secure communication |
Citations (2)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
WO2014133863A1 (en) * | 2013-03-01 | 2014-09-04 | Graylin William W | System and method for securely loading, storing and transmitting magnetic stripe data in a device working with a mobile wallet system |
WO2015123559A1 (en) * | 2014-02-17 | 2015-08-20 | Looppay, Inc. | Baseband nearfield magnetic stripe data transmitter |
Family Cites Families (13)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
WO2012082795A1 (en) | 2010-12-13 | 2012-06-21 | Magtek, Inc. | Systems and methods for conducting contactless payments using a mobile and a magstripe payment card |
CN102404025B (en) | 2011-11-16 | 2016-09-07 | 中兴通讯股份有限公司 | A kind of terminal and the method processing payment transaction |
CN102521744B (en) | 2011-12-26 | 2017-11-03 | 中兴通讯股份有限公司 | Method of network payment and device |
US10430771B2 (en) * | 2012-07-31 | 2019-10-01 | Worldpay, Llc | Systems and methods for payment processing on platforms |
US9430768B2 (en) * | 2013-03-01 | 2016-08-30 | Samsung Pay, Inc. | Mobile checkout systems and methods |
CN203825664U (en) | 2014-03-05 | 2014-09-10 | 平安付智能技术有限公司 | Mobile intelligent terminal payment system based on low-power consumption Bluetooth |
KR20150112721A (en) | 2014-03-27 | 2015-10-07 | 엘지전자 주식회사 | Mobile terminal and method for controlling the same |
KR20150118672A (en) * | 2014-04-14 | 2015-10-23 | 에스케이텔레콤 주식회사 | Method and Apparatus for Processing Payment Based on Mobile |
CN115511484A (en) | 2014-05-29 | 2022-12-23 | 苹果公司 | User interface for payments |
KR101570354B1 (en) | 2015-03-05 | 2015-11-19 | 엘지전자 주식회사 | Mobile terminal and method for controlling the same |
US20190378182A1 (en) * | 2015-03-23 | 2019-12-12 | Early Warning Services, Llc | Secure electronic billing with real-time funds availability |
KR101763030B1 (en) | 2015-10-29 | 2017-07-31 | 천정서 | Magnetic Secure Transmission platform supporting noncompatible media, and operating method therefor |
US10346829B2 (en) * | 2015-12-30 | 2019-07-09 | Paypal, Inc. | Display of locally broadcasted uniform resource locators for checkout and payment |
-
2016
- 2016-03-18 KR KR1020160032646A patent/KR102646892B1/en active IP Right Grant
-
2017
- 2017-03-16 US US15/460,485 patent/US10997582B2/en active Active
- 2017-03-16 EP EP17161453.0A patent/EP3220339A1/en not_active Withdrawn
- 2017-03-17 CN CN201710162201.5A patent/CN107203878B/en not_active Expired - Fee Related
Patent Citations (2)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
WO2014133863A1 (en) * | 2013-03-01 | 2014-09-04 | Graylin William W | System and method for securely loading, storing and transmitting magnetic stripe data in a device working with a mobile wallet system |
WO2015123559A1 (en) * | 2014-02-17 | 2015-08-20 | Looppay, Inc. | Baseband nearfield magnetic stripe data transmitter |
Non-Patent Citations (2)
Title |
---|
ANONYMOUS: "LoopPay: Tiny Metal Coil Revolutionize Mobile Payments - Business Insider", 6 January 2015 (2015-01-06), XP055384586, Retrieved from the Internet <URL:http://www.businessinsider.com/looppay-tiny-metal-coil-revolutionize-mobile-payments-2015-1?international=true&r=US&IR=T> [retrieved on 20170623] * |
ANONYMOUS: "Will Graylin Shares Why Samsung Pay Got Delayed | PYMNTS.com", 4 June 2015 (2015-06-04), pages 2 - 3, XP055384566, Retrieved from the Internet <URL:http://www.pymnts.com/in-depth/2015/why-samsung-pay-got-delayed/> [retrieved on 20170623] * |
Cited By (1)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
CN114723434A (en) * | 2021-01-05 | 2022-07-08 | Oppo广东移动通信有限公司 | Payment control method, electronic equipment and storage medium |
Also Published As
Publication number | Publication date |
---|---|
CN107203878B (en) | 2021-09-28 |
KR102646892B1 (en) | 2024-03-13 |
KR20170108555A (en) | 2017-09-27 |
US20170270523A1 (en) | 2017-09-21 |
CN107203878A (en) | 2017-09-26 |
US10997582B2 (en) | 2021-05-04 |
Similar Documents
Publication | Publication Date | Title |
---|---|---|
US11232339B2 (en) | Handheld electronic device capable of magnetic field communication and payment method using the same | |
EP3654268B1 (en) | Card registration method for payment service and mobile electronic device implementing the same | |
US10997582B2 (en) | Payment transaction method and electronic device therefor | |
US20180032712A1 (en) | Electronic device and method for authenticating biometric information | |
KR102303665B1 (en) | Method for providing payment service having plug-in service and electronic device therefor | |
US10997584B2 (en) | Payment system, electronic device and payment method thereof | |
KR101834849B1 (en) | Electronic device and user authentication method thereof | |
US20170278103A1 (en) | Electronic device for providing electronic payment function and method for operating the electronic device | |
EP3118789A1 (en) | Payment system, electronic device and payment method thereof | |
KR20170109433A (en) | Device for performing security transaction and method thereof | |
KR102315891B1 (en) | Method for providing point of interest and electronic device thereof | |
US11010749B2 (en) | Payment processing method and electronic device supporting the same | |
EP3333795A1 (en) | Electronic device and card registration method thereof | |
KR20170115235A (en) | Method for authenticating biometric information | |
US20170255930A1 (en) | Method for providing electronic payment function and electronic device supporting the same | |
EP3236380A1 (en) | Device for performing security login service and method | |
US11042855B2 (en) | Electronic device and remittance method thereof | |
KR102676682B1 (en) | Method of Processing Card operating information and electronic device supporting the same | |
US11068877B2 (en) | Method and device for displaying indication of payment | |
CN106971104B (en) | Method of performing security function and electronic device supporting the same |
Legal Events
Date | Code | Title | Description |
---|---|---|---|
PUAI | Public reference made under article 153(3) epc to a published international application that has entered the european phase |
Free format text: ORIGINAL CODE: 0009012 |
|
STAA | Information on the status of an ep patent application or granted ep patent |
Free format text: STATUS: THE APPLICATION HAS BEEN PUBLISHED |
|
AK | Designated contracting states |
Kind code of ref document: A1 Designated state(s): AL AT BE BG CH CY CZ DE DK EE ES FI FR GB GR HR HU IE IS IT LI LT LU LV MC MK MT NL NO PL PT RO RS SE SI SK SM TR |
|
AX | Request for extension of the european patent |
Extension state: BA ME |
|
STAA | Information on the status of an ep patent application or granted ep patent |
Free format text: STATUS: REQUEST FOR EXAMINATION WAS MADE |
|
17P | Request for examination filed |
Effective date: 20171220 |
|
RBV | Designated contracting states (corrected) |
Designated state(s): AL AT BE BG CH CY CZ DE DK EE ES FI FR GB GR HR HU IE IS IT LI LT LU LV MC MK MT NL NO PL PT RO RS SE SI SK SM TR |
|
STAA | Information on the status of an ep patent application or granted ep patent |
Free format text: STATUS: EXAMINATION IS IN PROGRESS |
|
17Q | First examination report despatched |
Effective date: 20191119 |
|
STAA | Information on the status of an ep patent application or granted ep patent |
Free format text: STATUS: EXAMINATION IS IN PROGRESS |
|
STAA | Information on the status of an ep patent application or granted ep patent |
Free format text: STATUS: EXAMINATION IS IN PROGRESS |
|
STAA | Information on the status of an ep patent application or granted ep patent |
Free format text: STATUS: THE APPLICATION IS DEEMED TO BE WITHDRAWN |
|
18D | Application deemed to be withdrawn |
Effective date: 20230706 |